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Posts Tagged ‘Freelancer’

How to Generate Steady Income as a Freelance Writer

By Sarah LandrumHow to Generate Steady Income as a Freelance Writer

For those who love the written word, a career as a freelance writer may seem like a dream come true. Not only can you write from anywhere you can access a computer, but you also get to create content for others to read.

However, you might not know where to get started and how to earn a living. These tips should help.

How Much Do You Need?

First, you have to figure out how much you actually need to earn to make a living as a freelance writer. If you’ve been working outside the home, you’re already aware that you have some expenses you won’t have working from home. For example, you won’t need a costly separate wardrobe, you won’t be eating lunch out, and you’ll save money on childcare and transportation costs.

Once you’ve figured out how much your family needs for you to earn, add a percentage to cover taxes and figure in any costs you’ll have, running your business from home. Most experts recommend putting aside about 30 percent of what you make to cover the federal and state taxes you’ll have as a self-employed person. However, you’ll also get some tax breaks for purchases related to your writing.

Find Gigs With Recurring Revenue.

To create a steady stream of income, you’ll want to look for writing gigs that offer you the same assignments month after month. These clients will become the bread and butter of your business. (more…)

Posted in Money

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Four Reasons to Incorporate Your At-Home Business

Four Reasons to Incorporate Your At-Home BusinessBy Deborah Sweeney

When you’re working from home, it can be easy to view your business as a side venture. Side ventures don’t need your full attention, and they’re less of a risk. But there’s no reason your at-home business can’t be a full fledge, incorporated business. Small business owners have a couple of different choices when deciding which entity to file their business as.

Here, I’ll go over the corporation.

Corporations have a strong history. 

Corporations have been around for a long time. Some small business owners think that filing a corporation may be too much work with all of the laws, rules, and regulations it takes to keep one afloat. To run a corporation, you need to have board meetings, shareholder meetings, annual meetings, and record every major decision the business goes through. Though, when all of these rules and regulations are upheld, your business gets to stand on a rock-hard foundation. Since corporations have been around for so long, a lot of trial and error went in to creating the most solid, successful type of entity possible.

You have options. 

Though corporations do not have pass-through taxation like an LLC, corporations can always elect to be taxed as an S-Corporation. The S-Corporation solves the issue by allowing any profits earned to pass through the corporation, untaxed, straight to the company shareholders. (more…)

Posted in Business

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Handling Your Finances as a 1099 Contractor

Handling Your Finances as a 1099 ContractorBy Deborah Sweeney

Working from home is a dream of many, and running your own business is a great way to do just that. Chances are that, unless you’re selling a product, you’re doing a lot of freelance work. And when you freelance, businesses treat you as an independent contractor, or a 1099 contractor, which alludes to the 1099-MISC form businesses send to contractors they paid.

Being a 1099 contractor is a great way to make money while working from home, but you have to understand what your responsibilities are when you do 1099-eligible work. The Department of Labor is cracking down on businesses who misuse independent contractors, so the burden is on you to prove you do qualify as an independent contractor. That means handling your finances in a particular way.

1. Bill as Your Company

There is a slightly complicated test courts apply when judging worker classification, but the short of it is an independent contractor is a business, and the hiring company is a client. It is a business-to-business relationship, rather than an employer-to-employee one. So, to protect yourself and your clients, bill as your company.

This means you’ll need a DBA (doing-business-as) name and, for some banks, an EIN (Employer Identification Number). But after you get those in order, you can open a business bank account and accept checks payable to the company. (more…)

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Escaping the 9 to 5 Grind

Escaping the 9 to 5 GrindTell us a little bit about yourself and your freelance journey.

I graduated from Penn State last year with degrees in Marketing & PR. Two weeks after graduation, I started my career. It was a pretty traditional job with a marketing company, which was great – but wasn’t making me happy. I wasn’t being challenged and didn’t see myself growing as a professional, and I went looking for something that could fix that.

The whole search for career happiness thing is what inspired me to start Punched Clocks. From there, I started freelancing and have loved every bit of it since!

Outside of being a huge PSU fan, a marketer, and a writer, I’m also:

  1. ENGAGED, and planning a wedding to my wonderful fiancé! (Can you tell I’m still super excited?!)
  2. A proud mama to two beautiful dogs. One boxer, Bella, who actually helped us announce our engagement! And more recently, we adopted a boston terrier named Ruby.
  3. Part of a huge, close-knit family from which I’ve gained infinite wit and wisdom, hand-me-downs, and an extremely loud voice.
  4. A lover of all things health, DIY, wedding, style, and marketing related.
  5. A busy, busy woman with a short attention span and a need to be moving at all times.

(more…)

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How to Make $4,000 a Month as a Freelance Writer

How to Make $4,000 a Month as a Freelance WriterTell us a little bit about yourself and your freelance journey.

My husband and I were just like any other couple working full-time in Corporate America two years ago. We started our family, realized that’s not how we wanted our life to be and started making changes.

We had already been paying down debt, which helped. We then cut out everything we could in our budget, so my husband could quit his job and start staying home with our kids (currently ages two and three).

After a decade-long career as a financial advisor, I realized it wasn’t what I wanted to do “for the rest of my life” and I started looking into freelance writing last April. I was able to build up my business from $0 to $4k/m in six months, which gave me the opportunity to make a big career change at the end of last year by quitting my own job and becoming a full-time freelancer.

Do you have any special training?

Not as a writer. My degree is in Psychology and of course I had the proper investment/insurance licensing in place in order to operate as an advisor.

I’ve always loved to write and have written a couple of first drafts of chick lit fiction novels in the past. It wasn’t until last year that I realized what a market there was for non-fiction writing on the web. (more…)

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