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
Joseph D'Agnese is a freelance writer who has written for The New York Times, The Wall Street Journal, This Old House, and many other magazines and newspapers. He has been published extensively in Discover, and also in Seed and 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.
“‘The Money Book’ lays out the key issues for workers who don't have benefits. It hits on the major themes of saving regularly, planning for retirement, and managing your taxes when you, the worker, are ultimately responsible. Its conversational tone makes it easily accessible for readers who aren't inclined to read about how to crunch numbers and budget.” —Associated Press
"The Money Book" is an indispensable survival guide that belongs on the desk of every independent worker who is willing do whatever it takes to achieve success. — Pittsburgh Post-Gazette “Through trial and error, veteran freelancers D'Agnese and Kiernan worked out a money-management system that allowed them to save for emergencies and retirement, pay off debt, buy benefits, cover their taxes and survive the droughts in business that seem an inevitable part of working for yourself. They convey all this in a book that's irreverent and hugely entertaining.” —MSN Money
“Developed from the personal experiences of the authors, this book is fun and relevant, with no other recent work quite comparable. Recommended for anyone who is self-employed now or is facing a new work-life situation.” —Library Journal
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The Money Book for Freelancers, Part-Timers, and the Self-Employed by Joseph D'Agnese and Denise Kiernan