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	<title>Freelance Finance</title>
	<link>http://freelance-finance.com</link>
	<description>Muck and Mire's guide to financial serenity for the self-employed</description>
	<pubDate>Fri, 09 May 2008 16:06:28 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.3.3</generator>
	<language>en</language>
			<item>
		<title>Mea Culpa!</title>
		<link>http://freelance-finance.com/2008/05/09/mea-culpa/</link>
		<comments>http://freelance-finance.com/2008/05/09/mea-culpa/#comments</comments>
		<pubDate>Fri, 09 May 2008 16:06:28 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Pluralis Majestatis]]></category>

		<category><![CDATA[the royal we]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/05/09/mea-culpa/</guid>
		<description><![CDATA[Sorry to be out of touch for such a long time, but we were saddled with a project that grabbed us in a chokehold and pulled us under for a month. Hopefully now that it has cleared the deck, we can turn our attention to other projects, our new book, and you darling people.
]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/05/09/mea-culpa/feed/</wfw:commentRss>
		</item>
		<item>
		<title>16 Things Freelancers Must Know #11: Always Be Billing</title>
		<link>http://freelance-finance.com/2008/04/03/16-things-freelancers-must-know-11-always-be-billing/</link>
		<comments>http://freelance-finance.com/2008/04/03/16-things-freelancers-must-know-11-always-be-billing/#comments</comments>
		<pubDate>Thu, 03 Apr 2008 12:00:34 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Getting Paid]]></category>

		<category><![CDATA[Invoices]]></category>

		<category><![CDATA[Managing clients]]></category>

		<category><![CDATA[Non Sequiturs, Rants and Whines]]></category>

		<category><![CDATA[Pay Up, Sucker]]></category>

		<category><![CDATA[billing]]></category>

		<category><![CDATA[clients]]></category>

		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/04/03/16-things-freelancers-must-know-11-always-be-billing/</guid>
		<description><![CDATA[Lawyers follow this dictum, otherwise known as ABB, and so should you. Once your work&#8217;s submitted, submit an invoice immediately. Sure, there are going to be revisions, but if the clients know they’re going to use your work, they may very well go ahead and pay. On some occasions, I have actually been paid before [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/04/03/16-things-freelancers-must-know-11-always-be-billing/feed/</wfw:commentRss>
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		<item>
		<title>Five Tips for Sticking With Saving, Part 1</title>
		<link>http://freelance-finance.com/2008/04/02/five-tips-for-sticking-with-saving-part-1/</link>
		<comments>http://freelance-finance.com/2008/04/02/five-tips-for-sticking-with-saving-part-1/#comments</comments>
		<pubDate>Wed, 02 Apr 2008 15:15:47 +0000</pubDate>
		<dc:creator>Mire</dc:creator>
		
		<category><![CDATA[Getting Organized]]></category>

		<category><![CDATA[Pay Yourself First]]></category>

		<category><![CDATA[Saving]]></category>

		<category><![CDATA[Savings goals and dreams]]></category>

		<category><![CDATA[Your Values]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[savings plan]]></category>

		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/04/02/five-tips-for-sticking-with-saving-part-1/</guid>
		<description><![CDATA[Saving money as a freelancer, independent contractor or whatever you choose to call yourself if you don&#8217;t happen to have a full-time job with bennies, is tricky. We&#8217;ve discussed this before: Saving regularly is more challenging when your income is constantly changing. This is why Muck and I stick with percentages, which has worked like [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/04/02/five-tips-for-sticking-with-saving-part-1/feed/</wfw:commentRss>
		</item>
		<item>
		<title>16 Things Freelancers Must Know #10: Don’t be afraid to stick up for your time</title>
		<link>http://freelance-finance.com/2008/04/02/16-things-freelancers-must-know-10-don%e2%80%99t-be-afraid-to-stick-up-for-your-time/</link>
		<comments>http://freelance-finance.com/2008/04/02/16-things-freelancers-must-know-10-don%e2%80%99t-be-afraid-to-stick-up-for-your-time/#comments</comments>
		<pubDate>Wed, 02 Apr 2008 14:28:36 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Magazines]]></category>

		<category><![CDATA[Managing clients]]></category>

		<category><![CDATA[Non Sequiturs, Rants and Whines]]></category>

		<category><![CDATA[budgeting time]]></category>

		<category><![CDATA[clients]]></category>

		<category><![CDATA[revisions]]></category>

		<category><![CDATA[satisfaction]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/04/02/16-things-freelancers-must-know-10-don%e2%80%99t-be-afraid-to-stick-up-for-your-time/</guid>
		<description><![CDATA[It is important and necessary to do everything in your power to satisfy your clients. But you must have the courage to limit unreasonable demands. You cannot drop everything for two days to help someone hand-wring over the website you&#8217;re designing for them, nor should you volunteer endless revisions of your work. For many years, [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/04/02/16-things-freelancers-must-know-10-don%e2%80%99t-be-afraid-to-stick-up-for-your-time/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Zen of Grinding</title>
		<link>http://freelance-finance.com/2008/03/31/the-zen-of-grinding/</link>
		<comments>http://freelance-finance.com/2008/03/31/the-zen-of-grinding/#comments</comments>
		<pubDate>Mon, 31 Mar 2008 14:01:25 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Getting Organized]]></category>

		<category><![CDATA[Gurus]]></category>

		<category><![CDATA[Non Sequiturs, Rants and Whines]]></category>

		<category><![CDATA[People Like Us]]></category>

		<category><![CDATA[Pleasures of the freelance life]]></category>

		<category><![CDATA[andy rae]]></category>

		<category><![CDATA[chaos]]></category>

		<category><![CDATA[deadline]]></category>

		<category><![CDATA[fray]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[independent workers]]></category>

		<category><![CDATA[woodworking]]></category>

		<category><![CDATA[zen]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/31/the-zen-of-grinding/</guid>
		<description><![CDATA[The phrase &#8220;keep your nose to the grindstone&#8221; took on new meaning for me Friday, when Mire and I attended a woodworking class given by master craftsman, author, and self-employed worker Andy Rae. Though the class was about sharpening woodworking tools, I couldn&#8217;t help finding a double meaning in much of what Rae said. 
I [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/31/the-zen-of-grinding/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Health Care Quagmire</title>
		<link>http://freelance-finance.com/2008/03/27/the-health-care-quagmire/</link>
		<comments>http://freelance-finance.com/2008/03/27/the-health-care-quagmire/#comments</comments>
		<pubDate>Thu, 27 Mar 2008 14:30:45 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Oh Yeah, Health Care]]></category>

		<category><![CDATA[People Like Us]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[health care]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[independent workers]]></category>

		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/27/the-health-care-quagmire/</guid>
		<description><![CDATA[Where does a freelancer go to get some decent health insurance? This a huge, growing issue. Each time the number of freelancers grows in the U.S., the number of people who are going without some form of medical safety net jumps. The powers-that-be have historically consoled themselves with the quaint notion that only the indigent, [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/27/the-health-care-quagmire/feed/</wfw:commentRss>
		</item>
		<item>
		<title>So. Yeah. We have a book deal.</title>
		<link>http://freelance-finance.com/2008/03/26/so-yeah-we-have-a-book-deal/</link>
		<comments>http://freelance-finance.com/2008/03/26/so-yeah-we-have-a-book-deal/#comments</comments>
		<pubDate>Wed, 26 Mar 2008 14:52:05 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Books]]></category>

		<category><![CDATA[Pluralis Majestatis]]></category>

		<category><![CDATA[book]]></category>

		<category><![CDATA[book deal]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[money]]></category>

		<category><![CDATA[personal finance]]></category>

		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/27/so-yeah-we-have-a-book-deal/</guid>
		<description><![CDATA[Mire and I have yet to tell you guys more about our deal to produce a personal finance book for freelancers and independent workers for Random House. But there&#8217;s not much to tell. Obviously, the ball in is our court. We&#8217;ve had the idea for a long time. I&#8217;ve freelanced a dozen years; Mire for [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/26/so-yeah-we-have-a-book-deal/feed/</wfw:commentRss>
		</item>
		<item>
		<title>16 Things Freelancers Must Know #9: The work is a breeze, but pitching&#8217;s hell</title>
		<link>http://freelance-finance.com/2008/03/24/16-things-freelancers-must-know-9-the-work-is-a-breeze-but-pitchings-hell/</link>
		<comments>http://freelance-finance.com/2008/03/24/16-things-freelancers-must-know-9-the-work-is-a-breeze-but-pitchings-hell/#comments</comments>
		<pubDate>Mon, 24 Mar 2008 14:29:04 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Getting Paid]]></category>

		<category><![CDATA[Managing clients]]></category>

		<category><![CDATA[clients]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[marketing]]></category>

		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/24/16-things-freelancers-must-know-9-the-work-is-a-breeze-but-pitchings-hell/</guid>
		<description><![CDATA[I don&#8217;t care what your craft is. If you love what you do, the work will always have its own rewards. It will be your rock and bulwark in tough times. It will sustain you and enrich your soul. And you&#8217;ll only get better and quicker at it. 
But marketing yourself is not often in [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/24/16-things-freelancers-must-know-9-the-work-is-a-breeze-but-pitchings-hell/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Another one falls by the wayside&#8230;</title>
		<link>http://freelance-finance.com/2008/03/20/another-one-falls-by-the-wayside/</link>
		<comments>http://freelance-finance.com/2008/03/20/another-one-falls-by-the-wayside/#comments</comments>
		<pubDate>Thu, 20 Mar 2008 15:05:49 +0000</pubDate>
		<dc:creator>Mire</dc:creator>
		
		<category><![CDATA[Death and Taxes]]></category>

		<category><![CDATA[Getting Organized]]></category>

		<category><![CDATA[Non Sequiturs, Rants and Whines]]></category>

		<category><![CDATA[Pay Yourself First]]></category>

		<category><![CDATA[People Like Us]]></category>

		<category><![CDATA[Saving]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[full-time]]></category>

		<category><![CDATA[health care]]></category>

		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/20/another-one-falls-by-the-wayside/</guid>
		<description><![CDATA[Another remarkable freelance friend—a brilliant writer and researcher—has, just yesterday, taken a full-time job. This comes after years of very successful, but tiring, work on her own. She will be performing the exact same kind of duties, except she will be performing them for a law firm. I am happy for her. Why? Because she [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/20/another-one-falls-by-the-wayside/feed/</wfw:commentRss>
		</item>
		<item>
		<title>16 Things Freelancers Must Know #8: Ask For Money Up Front</title>
		<link>http://freelance-finance.com/2008/03/13/16-things-freelancer-must-know-ask-for-money-up-front/</link>
		<comments>http://freelance-finance.com/2008/03/13/16-things-freelancer-must-know-ask-for-money-up-front/#comments</comments>
		<pubDate>Thu, 13 Mar 2008 20:44:02 +0000</pubDate>
		<dc:creator>Muck</dc:creator>
		
		<category><![CDATA[Books]]></category>

		<category><![CDATA[Getting Paid]]></category>

		<category><![CDATA[Managing clients]]></category>

		<category><![CDATA[Non Sequiturs, Rants and Whines]]></category>

		<category><![CDATA[Pay Up, Sucker]]></category>

		<category><![CDATA[freelance]]></category>

		<guid isPermaLink="false">http://freelance-finance.com/2008/03/13/16-things-freelancer-must-know-ask-for-money-up-front/</guid>
		<description><![CDATA[There is no reason why you should subsidize the incomes of your clients. It&#8217;s customary in many fields for a customer to a deposit or advance for the work they want you to perform. The advance indicates that they are serious about the project. Up to 50 percent up front is reasonable, but you should [...]]]></description>
		<wfw:commentRss>http://freelance-finance.com/2008/03/13/16-things-freelancer-must-know-ask-for-money-up-front/feed/</wfw:commentRss>
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