The big issue for going self-employed full time is, of course, health insurance coverage.
Today, I had a depressing epiphany.
I am old. I can join the AARPers and sign up for health insurance through them.
I'm so depressed now.
Posted by AnneZook at 04:09 PM | Comments (2)Good afternoon, Residual Readership!
How's life been treating you? No little disasters or traumas or roadblocks on your path to a happy life, I hope?
Now that we're into the holi/holy day season, with various new years, days of atonement, days of dedication (Hanukkah, right?), Thanksgivings, Christmases, etc., I wish you and all your loved ones peace and prosperity.
--Sometimes I forget these little gestures that mean so much. Remembering that people, for instance, have their own lives and priorities.--
In the category of "random fun stuff," we have Old Friendships Renewed.
A friend I haven't seen in something like 20 years contacted me last week--she was in town and wanted to meet up. We got together for dinner, I got to meet her daughter for the first time, and her daughter's fiance, and then we had some one-on-one time to catch up on old acquaintances and each other's lives.
She has some health issues for which the prognosis isn't good. Terminal, in fact, but considering they gave her 2 years about eleven years ago, she's doing remarkably well.
She was in town to see another old friend's newest grandchild, born a couple of weeks ago. (Sadly, that friend passed away last year--a heart condition.)
These things remind us to cherish our friends, past and present.
Sentimental today, aren't I?
In the category of "keeping up with Gidget," there are bits of news you couldn't possibly care less about, so I won't bore you. Suffice to say that, once again, I'm grateful to be childless.
Workwise, she lost two "bankroll" client accounts in the last month and is now grabbing at any project she can find that will pay her money--working for 1/2 or 1/4 of her normal rate.
Oddly enough, she isn't accepting the projects I offer her. I mean, they're all one-off projects but my clients pay and the work isn't that complicated.
Just yesterday, she turned down a project that would have taken her three hours and paid her $500. Why? Because she's in the middle of a 50-hour project she took on that's going to pay her $1k.
The new client I mentioned in my last post, the one she'll rake in a minimum of $1,400 on? She hasn't had a chance to get back with that client yet.
Boggles the mind.
I'm thinking--okay, I'm not sharing these clients with you if you won't follow up with them promptly, because you're not only losing the fees you would have made, you're eliminating my future client base when you blow them off.
I dunno. I'd thought of having this conversation with her when we met for lunch but her Family Crisis story was so complicated that we didn't have time to really get to business subjects.
Anyhow.
Moving on.
Me-wise client-wise, things are--busy. I've brought on one new client since last I posted. I have one more on the verge of signing.
A very good friend who passes me leads is handing my name off to another agency who has the kind of accounts I'm really interested in--the kind where if I had four or five of those, I'd be financially solid as a full time, self-employed person.
Which, of course, brings us to the employment issue. Right now, I'm teetering on the verge of a casual sort of meltdown. I have too much work for the "Saturday morning & all day Sunday" freelance schedule I've been using for the last year. I really need to add one--maybe two--evenings a week to current accounts.
Which is more hours in a single day than either I or my 5(x) year-old eyeballs are really interested in spending staring at a computer screen.
So, I'm clutching my scant supply of courage in both hands and, if this third agency contacts me and offers me even one new account, I'm going to draft up and submit and polite but firm letter of separation from the Argonuts and the Corral.
If I get hungry, I can say so and you'll send me a sandwich, right? I'm not picky--just sustenance to keep life in my wasted frame. (No mayonnaise.) (No rye bread.)
(I like multigrain bread without rye, though.)
(Something hot. I like a hot sandwich.)
As you can see, I'm not hungry yet. I had a very nice lunch today--stewed chicken and mushrooms over rice--so I don't need a sandwich yet. But I might someday.
(Seriously. No rye.)
Pursuant (so long since I had the opportunity to use my favorite word) to the onset of my more frugal lifestyle, I cancelled the preorder I'd placed for the Amazon Fire tablet. (That sounds very financially responsible and mature but the truth is, I had a 80% firm intention of cancelling the order two seconds after I placed it. The idea of a tablet interests me but I have no use for one.)
The R.C. thought we might need to let the Grinch steal Christmas but I've got a savings account and a holiday fund and anyhow, she's only asked for one very inexpensive gift. There are already too few days in a year when anyone feels like giving me a present. I'm not giving up a sure thing for anything as lame as being financially destitute.
It's been almost 24 hours and that agency hasn't contacted me yet, so this is all still pretty theoretical.
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* A "bankroll" client is one of your big ones--the ones who provide enough income to give you breathing space.
Posted by AnneZook at 01:06 PM | Comments (5)