The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs

( 5 )

Overview

This is a book for people like us, and we all know who we are.
 
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 our dreams: 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. ...

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The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs

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Overview

This is a book for people like us, and we all know who we are.
 
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 our dreams: 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. Unfortunately, we also have no 401(k)s and no one matching them, no benefits package, and no one collecting our taxes until April 15th.
 
It’s time to take stock of where you are and where you want to be. Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and checks 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 completely new, 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

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  • The Money Book for Freelancers...
    The Money Book for Freelancers...  

Editorial Reviews

From the Publisher
“‘The Money Book’ lays out the key issues for workers who don't have benefits. It hits on the major themes of saving regularly, planning for retirement, and managing your taxes when you, the worker, are ultimately responsible. Its conversational tone makes it easily accessible for readers who aren't inclined to read about how to crunch numbers and budget.”
Associated Press


"The Money Book" is an indispensable survival guide that belongs on the desk of every independent worker who is willing do whatever it takes to achieve success.
— Pittsburgh Post-Gazette
“Through trial and error, veteran freelancers D'Agnese and Kiernan worked out a money-management system that allowed them to save for emergencies and retirement, pay off debt, buy benefits, cover their taxes and survive the droughts in business that seem an inevitable part of working for yourself.
They convey all this in a book that's irreverent and hugely entertaining.”
—MSN Money

“Developed from the personal experiences of the authors, this book is fun and relevant, with no other recent work quite comparable. Recommended for anyone who is self-employed now or is facing a new work-life situation.”
—Library Journal

Library Journal
In these tough economic times, many Americans are seeking nontraditional forms of employment, often in the form of freelance work. Freelance writers D'Agnese and Kiernan (coauthors, Signing Their Lives Away: The Fame and Misfortune of the Men Who Signed the Declaration of Independence) address financial planning for such circumstances. The authors describe how one can maximize financial security without compromising success by addressing debts, taxes, emergency funds, and retirement savings using their "Freelance Finance System." They preach commonsense ideas such as accountability and restraint but also describe plenty of clever ways to make one's money go further. They also provide tables for tracking financial information and goals and include lists of helpful financial web sites. The end of each chapter includes a convenient list of portables—concepts that should be emphasized and activities designed to get people closer to their financial goals. VERDICT Developed from the personal experiences of the authors, this book is fun and relevant, with no other recent work quite comparable. Recommended for anyone who is self-employed now or is facing a new work-life situation.—Poppy Johnson-Renvall, Mesalands Community Coll. Lib., Tucumcari, NM
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Product Details

  • ISBN-13: 9780307453662
  • Publisher: Crown Publishing Group
  • Publication date: 3/2/2010
  • Pages: 320
  • Sales rank: 363,767
  • Product dimensions: 5.64 (w) x 8.24 (h) x 0.72 (d)

Table of Contents

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

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Customer Reviews

Average Rating 4
( 5 )
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Sort by: Showing all of 5 Customer Reviews
  • Posted November 30, 2012

    This book is exactly what I've been looking for. It offers great

    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.

    1 out of 1 people found this review helpful.

    Was this review helpful? Yes  No   Report this review
  • Posted June 10, 2011

    Highly+recommend%21

    This+is+the+financial+literacy+they+should+have+taught+you+in+school%21

    1 out of 1 people found this review helpful.

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  • Anonymous

    Posted November 22, 2012

    Rose next book

    NEXT BOOK

    0 out of 1 people found this review helpful.

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  • Posted March 14, 2010

    A Road Map To Financial Freedom for Artists

    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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  • Anonymous

    Posted January 28, 2012

    No text was provided for this review.

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