When I started writing online, my daughter was a baby. Today, as my business has grown, so has she and surprisingly, has taught me several important lessons along the way. Freelancing, they say, is not child’s play but one can surely learn a thing or two from kids. Here are 5 things that I learned about being a better, more productive writer and business owner
I am many things on a daily basis, like all of us here. At any given moment I’m wearing my hat as a mother, teacher, writer, business woman, friend, wife, public servant, what have you. It’s exhausting, of course, but then life should be for the most part. What’s the point of waking up in the morning and not using the day to its fullest
Have you heard about Netflix’s plan to increase their prices on a segment of customers who were getting the best of two services for a really great price. It’s kind of old news by now, but here’s the background: Right now, Netflix subscribers can get unlimited streaming and unlimited DVDs (one at a time) for $10 per month. Starting September 1, that same plan will
In a freelancer’s life, when the going gets tough, the amenities get going. We all start looking for things to cut out of our budgets during those “famine” months when income isn’t so great. As you’re calling companies giving them the “I’d like to cancel my account” spiel, make sure you don’t cancel these. Homeowners or Renter’s Insurance Your mortgage company requires you to have
I just got finished laying engineering hardwood in the foyer and living room and there’s only one room left –my office/dining room/library. The front room of my house is having an identity crisis and frankly, it’s stressing me out. As a mom who works at home part of the time, I need to have my office in the middle of the madness. This means I
Writers should always have multiple revenue streams, even if they all involve writing. In fact, no single client should make up such a large part of your income that you would suffer if you lost that client. Not only is this good money sense, it’s good business sense. Don’t put all your eggs in one basket as the proverb goes. I can see why a
A health savings account (HSA) is a type of tax-deferred savings account that gives you a tax break on out-of-pocket medical expenses. The plan is only available to individuals and families who have high deductible health plan – a type of insurance that requires you to pay a lot of money out of pocket before the insurance kicks in and pays anything. These high deductible
I’ve had an insane lifestyle long enough to recognize how insane it is and to simply anticipate periods of time when I feel like punching walls and throwing up my (then bruised) hands in despair. Fortunately with great responsibility comes great wisdom as well as great amounts of stress for good measure. I often use my great wisdom to find ways to reduce my great
After Google’s recent algorithm changes, income from at least one of my sites dropped a lot than I could have predicted. Unfortunately, I didn’t see the change coming. It made me a lot more thankful of the famine/feast budgeting method I use. Whenever I have great income months, I don’t spend the extra money, though I’m often tempted to. Instead, I put the extra in
Most self-employed workers and small business owners take the maximum number of tax deductions to minimize the amount of taxes owed. The benefit in the short run is that you don’t pay the IRS as much money. However, there’s a downside that you may not immediately realize – your reduced income may disqualify you for major loans, like a mortgage or small business loan. Tax
While I love most things about having two jobs, the time I dislike being a double-time working mom most is at bedtime. Throughout the day I push, push, push to get everything done. And now that the day is winding down I want more than anything to just relax and enjoy myself. Unfortunately I can’t sit down and finish up a quick job just yet
If you’re used to sending your kids away to school and working, you’re in for a rough ride – summer is almost here! Of course, those mothers who are insane like I am don’t have to worry too much about this. In fact, the summer months are the most relaxing months for my career, simply because I’m on summer vacation as well. My mornings won’t
You never think a disaster will happen to you and then it actually does. Hurricanes, tornados, earthquakes, house fire, and theft are just a few of the things that can turn your world upside-down in a matter of seconds. Disasters hit us harder because we work from our homes. Are you prepared for the worst? Do you have an emergency fund? When you’re depositing money
I’m doing something crazy today. I’m working on this post while my children are awake. It’s crazy – I know. I’m used to working in the still of the morning now around 4 am, but yesterday about 2 o’clock my body decided that it was done carrying me through my crazy schedule and decided to develop a sore throat and general yuckiness. As I finished
Most states don’t offer unemployment benefits for self-employed workers, so if something happens and you’re out of work, don’t expect to get help from your local unemployment office. Instead, it’s up to you to pull some strings to get through the rough patch. Predict the shortage as soon as possible. If you know in advance you’re going have a drop in income, you can prepare.
If you’re not up to date on the latest parenting drama, the big buzz word is the new Tiger Mom book and following. I’ll admit I’m intrigued, especially since I grew up with the products of these highly regulated Asian mothers who went on to Harvard and other prestigious universities before becoming doctors, lawyers and Indian chiefs. But then, I’m always intrigued by parenting philosophies and
Yesterday, I found a post on About.com’s Freelance Write mentioning a pending law that would provide payment protection for freelancers and other independent workers. Don’t get too excited. The law is currently in the New York Senate and would allow the New York Department of Labor to get involved in payment disputes for residents of that state. It got me to thinking though – would it help
I dragged my feet for years regarding phone technology. Before I had kids, I didn’t really want to be reached by phone every second. I liked coming home to messages and not being bothered during the day. Now, six years later, I have a smart phone (iPhone to be exact, although not the latest model), attached to me at all times. It’s like my lifeline
When it comes up in conversation about my schedule, as it usually does, that I get up at 4 in the morning and jump right into writing until 6, I usually get the same response – Wow, that sucks! And it does, kind of. It’s not fun getting up at 4 in the morning. But it is fun getting things done efficiently and it only
I’m not used to doing big projects. Most of my projects are either a one-time set of articles or a recurring set of articles. It’s easy to quote those since I do them all the time. Recurring payments are either set up on an automatic subscription or invoiced weekly. When I do a one-time set of articles, I ask for an upfront deposit and the
I’ve been working nights for years. This wouldn’t be a big deal if I wasn’t already working days and mornings, too. I’ve mentioned a few (dozen) times already, but I have the two kiddos to get up and out of the house every morning, while I get up and out of the house as well to head to the school where I teach at-risk teenagers.
Starting this month, I resolve to save 5% of my income every month, always, no matter what. If I can consistently pay the IRS, the cell phone company, the electric company, the health insurance provider, etc., there’s no reason I can’t do the same for myself. I do have an automatic savings draft set up, but it’s just $50 a month and I now feel
I had every intention of writing you a nice, long sales page full of random lies and musings. I was hoping that I could create a really cool, (imaginary) expert name for myself like Dr. Rebecca Frankenfurter, M.D. so that I would have instant credibility through my fake letter when I went to sell you some aspirin in a pretty bottle I colored with my
Don’t let stereotypes fool you. Financial freedom is not about being rich. In fact, you could be a millionaire and still be a financial slave. You know you’re financially free when you’re not worried about money anymore. The path to financial freedom isn’t much different for freelancers. I’d even say we have the ability to get there faster by making certain business choices. So how
I’m obviously totally awesome at what I do because I’m not completely burned out yet although I do get very, very close at times. In fact, I admire my productivity and economy so much I thought I’d share some real-world tips for saving money while starting up a freelance business any moms just breaking into this madness. This is, after all, a very, very serious
The first year I filed taxes, I was so excited I could finally claim church donations on my taxes. Except, it wasn’t really worth it to claim the donation because my itemized deductions were less than my standard deduction. Yep, even though you qualify for a certain tax break, it’s not always beneficial to take it. Deductions allow you to lower your taxable income and
I realize that my mothering style isn’t normal. Martha Stewart would have a heart attack at the number of unfinished projects in my home. Emily Post would faint dead away before she made it past the six laundry baskets stacked in the living room. In my universe it’s perfectly normal to stash little boy underpants in the living room furniture and keep playdough on the
When it comes to unauthorized bank account and credit card charges, the sooner you find out these charges have hit, the better. Checking account and Paypal account fraud are the worst because these charges reduce your available money. Depending on your bank’s policy, you may have to wait until a fraud investigation is complete before you can get your money back. In some cases (mentioned
We are a special breed, yet we often divide ourselves up into groups – presumably so that we can defend ourselves by putting down the others. I’m a working mom, so I’m obviously better than the mom stuck at home – unless she’s a work-at-home mom. Then she gets top billing because she’s able to work at home, make money and teach her children three
One of the things that keeps me out of financial trouble is spending only the money I have on hand. Call me skeptical, but I avoid spending freelance money before I actually have it, even when I’ve already done the work. When you’re a freelancer, you can pretty much count on something going wrong with payments at any given time. Here are some rules I