On Getting a Mortgage: The Inside Story

yarr, sponsored post but i liked it anyway. a most realistic situation.

Posted on April 27, 2015 at 2:37 pm 0

On Act Healthy, Get Cash Back?

well now i want to build a jogging robot

Posted on January 23, 2015 at 4:41 pm 1

On Wishing For A Unicorn

just want to back up a sec to that place on design sponge it features a vintage basket with "a mason jar that holds a ball of twine from Etsy." i... i think we found the hipster winner, folks. pack it up, we're done.

Posted on November 14, 2014 at 7:54 pm 0

On How to Charge: By the Hour or By the Project

oh... oh my as someone who quit doing freelance websites a few years ago, girrrrl ok here's how i did it: 1. talk to the client on what they want, feature wise 2. go to your notebook and break down the amount of hours it'll take for each feature 3. multiply the hours by your hourly rate (PLEASE UP YOUR RATE GIRL) 4. i was comfortable around 50-65/hr- remember you have to pay taxes other stuff employees dont have to pay 5. come back with a quote that says $x for this feature, $y for this feature, $z for the bare bones site you want, $z2 for the complete site of your dreams, mix and match, whatever 6. this spells out the worth of your time and the features very clearly. be sure to leave whatever remainders in there too - don't round anything- if a blog will take you 2.5 hours to set up at $65/hr then write out $162.50 for a blog. 7. sign a contract with rush fees and most importantly a kill fee included 8. a kill fee is like when the job is going awful and you are not on the same wavelength and you're just yelling at each other on the phone every day and crying after. you fire the client, say it's not working out, and bill them the kill fee. this is like a nuclear option, don't use it often, but make sure it's there. i think that's most of the things, eh? 9. get half the payment up front, half on website completion, or thirds- when contract is signed, when website design is finalized, and when website is live. 10. have some kind of contingency plan for updates- clients will need them down the road. OH 11. DO NOT LIST YOUR FEE IN THE CONTRACT or say "subject to change" i had clients coming back from when i changed peanuts for jobs straight outta school and i had to honor the old quote for years and years of updates. anyway. did this for years. there's a great book on how to manage the freelance biz but i don't want this comment to get moderated, reply and ill post the title if you're interested. GOOD LUCK CHARGE MOOOORRREEEE oh man, i wrote this whole thing out and realized OP is a billfold writer. argh. posting anyway in case it's helpful :P

Posted on November 14, 2014 at 10:41 am 0

On A Brief Chat with a Person With Tax Season Affective Disorder

@Brunhilde can you call them up on the phone? i find it's harder to be ignored by a company if i'm all up in their telephones breathing down their necks. i wouldn't mention any personal story if it were me, but thats me, i'd just say i misplaced some files and need to obtain replacements and can they find them and send them to me. Oh, i'll just stay on the phone while you look. ;) Can't find it today? OK I'll check back. Next day... RRRINNGG emails are so easy to ignore. phones with ringers and real people voices on the other ends carry a little more weight sometimes. idk, might help...

Posted on February 28, 2014 at 10:28 am 0

On A Brief Chat with a Person With Tax Season Affective Disorder

@CasualElegance not to be flip but it's not difficult to set aside to the taxes, there's no grand calculations I have do to. I've freelanced for nine years, and you just lop off the top 1/3 and put it in a savings account. if you're making bank, start lopping off 1/2. i also learned my lesson very very hard, i neglected to save for taxes on my best year ever and settled up to the tune of 5 figures owed. it took about 5 years to get rid of but it's gone now and you bet i save 1/3 now. i also pawn off my tax prep on my CPA, so i don't deal with the paperwork. but as for mentally dealing with the money, it's just how it runs and you get used to it. related: i took on a gig that was through an employee status, i got a paycheck with the taxes and whatnot withheld and i was so confused. i was like... the full amount... where is it.... I MUST SET ASIDE 1/3 FOR TAXES @_@ anyway dont mean to harsh on OP. taxes suck and are hard, no denying that, but maybe it would be better to have a number for OP, than a nebulous amount? Like maybe if she settled up, it would be less than she would be imagining. Or more. But then it would be a concrete number, which is better than a spectre. Anyway if it's a big chunk and you're feeling queasy about it check out dave ramsey's Total Money Makeover book. it's got some religious overtones and pull quotes but the advice is ROCK SOLID and got me out of quite a hole i was digging myself into (that started by ignoring taxes). anyway good luck to all the other freelancers out there this april :)

Posted on February 27, 2014 at 10:20 am 1

On Rental Car Bureaucracy Conned Me Out Of An Absurd Amount Of Money

@forget it i don't want to add to the guy's misery but there's a great enterprise rental in greenpoint........

Posted on October 4, 2013 at 4:43 pm 0

On Monday Check-in

excellent gift selection!

Posted on September 30, 2013 at 11:33 am 0

On How Much Should I Be Saving For Retirement?

@NoReally LOVE THAT CHART. except i found the same one in Smart Women Finish Rich by David Bach (except it was Kim and Susan instead of Ben and Arthur). my sister gave me this book when i was 23 and had just started to make real-job money- the chart def helped keep my eye on the ball when it comes to putting money away for retirement.

Posted on September 25, 2013 at 11:50 am 0

On Let's Not Lose All Our Teeth

@probs i found a youngish dentist who is hip to us kids with our internets, he emails me every six months to come in. argh so effective! it's so easy to ignore the phone call but i feel compelled to reply to the email. also there's a ferry to the dentists office, so dentist = boat ride! fun :D i love boat rides.

Posted on August 30, 2012 at 2:40 pm 0