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We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments. All of us are working toward a dream: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. We are the independent workforce. We are freelancers, self-employed entrepreneurs, part-timers, permalancers, temps, consultants, contract workers, and all-around go-getters. Some of us choose to work like this. Some of us have been given no choice in this world of mass layoffs and ever-shrinking benefits.
Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and payments are late? Who is setting money aside for your taxes? Who is responsible for your health insurance?
Take a good look in the mirror: You are.
The Money Book for Freelancers, Part-Timers, and the Self-Employed describes a comprehensive system for earning, spending, saving, and surviving as an independent worker. From interviews with financial experts to anecdotes from real-life freelancers, plus handy charts and graphs to help you visualize key concepts, you'll learn about topics including:
Managing cash flow when the cash isn't flowing your way
Getting real about what you're really earning
Tools for getting out of debt and into financial security
Saving consistently when you earn irregularly
What to do when a client's check doesn't come in
Health Savings Accounts and how to use them
Planning for retirement, taxes, and dreams-all on your own
Introduction: How We Came to Write This Book 1
Part I Being Straight with Yourself
Chapter 1 Cracking the Whip 13
Chapter 2 Getting Green and Dropping Hamiltons (Or, Where Did All My Money Go?) 34
Chapter 3 Understanding the Crushing Misery of Debt 59
Chapter 4 Spending Money, On Purpose. 80
Part II The Basics of the System
Chapter 5 An Introduction to the System 105
Chapter 6 The Holy Trinity of Savings 120
Chapter 7 The Spending Account as a Funnel for Savings 163
Chapter 8 Putting It All Together 184
Chapter 9 Paying Off Debt 205
Part III Growing the Plan and Living the Dream
Chapter 10 Growing the System 233
Chapter 11 Building Prosperity 261
Chapter 12 The Final Word on Financial Empowerment 280
Appendix 289
Acknowledgments 295
Index 297
NYCFreelancer
Posted November 30, 2012
This book is exactly what I've been looking for. It offers great actionable steps to help freelancers, consultants, actors, and anyone else who works for themselves get their finances in order and running smoothly. It is written by two freelancers who have figured it out and totally "get" how different every aspect of life is when you are the one who has to manage income, taxes, billing, health insurance, emergency and vacation funds, retirement planning and so much more all by yourself. I've always been frustrated by traditional budget sheets because my income is variable. It was great to have someone validate that they don't work for freelancers and give me a system that help me set myself up with a system to stay on top of estimated taxes, etc. It really will give you piece of mind! The tone of the book is conversational and it feels like you're getting great advice from a successful friend. I've recommended this book to all of my colleagues who are self-employed.
Was this review helpful? Yes NoThank you for your feedback. Report this reviewThank you, this review has been flagged.Anonymous
Posted November 22, 2012
NEXT BOOK
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Was this review helpful? Yes NoThank you for your feedback. Report this reviewThank you, this review has been flagged.exo20811
Posted June 10, 2011
This+is+the+financial+literacy+they+should+have+taught+you+in+school%21
Was this review helpful? Yes NoThank you for your feedback. Report this reviewThank you, this review has been flagged.Page-TurnerBL
Posted March 14, 2010
I wish I had had this book when I began my career as a writer. Lucky for me, I got into a Union and had regular contributions made to a pension and health plan. But for any young artist starting out, this is a road map to financial success in a world of sporadic employment and uneven paydays. I intend to give this book to several young graduates this year as they begin the long march towards a successful career in the arts. I recommend it to anyone who is in the arts or any freelance professional. Joseph D'Agnese has arranged a logical, informative and helpful book for those not prone to managing their income. Oh, and it's incredibly entertaining! In fact, it's fun to read. I strongly recommend this for teachers of artists/freelancers, parents of artists/freelancers and artists/freelancers.
0 out of 1 people found this review helpful.
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Posted January 28, 2012
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Overview
We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments. All of us are working toward a dream: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. We are the independent workforce. We are freelancers, self-employed entrepreneurs, part-timers, permalancers, temps, consultants, contract workers, and all-around go-getters. Some of us choose to work like this. Some of us ...