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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
|Publisher:||The Crown Publishing Group|
|Product dimensions:||5.64(w) x 8.24(h) x 0.72(d)|
About the Author
Denise Kiernan has written for The New York Times, The Wall Street Journal, The Village Voice, Saveur, Discover, Ms., New York Daily News, and many other publications. She was head writer of ABC's "Who Wants to be a Millionaire" during its Emmy award-winning first season, and is the author of a number of books for adults and children.
Most Helpful Customer Reviews
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.
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.