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

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

by Joseph D'Agnese, Denise Kiernan


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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

Product Details

ISBN-13: 9780307453662
Publisher: The Crown Publishing Group
Publication date: 03/02/2010
Pages: 324
Sales rank: 593,746
Product dimensions: 5.64(w) x 8.24(h) x 0.72(d)

About the Author

Joseph D'Agnese is a freelance writer who has written forThe New York TimesThe Wall Street Journal, This Old House, and many other magazines and newspapers. He has been published extensively in Discover, and also in Seedand Wired, and was twice named to the annual anthology,Best American Science Writing. He's the author of a children's picture book, Blockhead: The Life of Fibonacci. 

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.

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Excerpted from "The Money Book for Freelancers, Part-Timers, and the Self-Employed"
by .
Copyright © 2010 Joseph D'Agnese.
Excerpted by permission of The Crown Publishing Group.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

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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Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs 4.2 out of 5 based on 0 ratings. 5 reviews.
NYCFreelancer More than 1 year ago
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.
exo20811 More than 1 year ago
Anonymous More than 1 year ago
Anonymous More than 1 year ago
Page-TurnerBL More than 1 year ago
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.