Full of Excuses and Financial Management Advice

•January 19, 2009 • Leave a Comment

Yup, that’s me. I’m full of excuses for not keeping up with this blog. I’ve been hired on as a regular freelance writer for a couple of companies and I’ve also been teaching at PAE and I just started teaching at Andover College too. Can you say SWAMPED!

I’ve pushed off starting my BS in IT to April as well as starting my Masters in Adult Education so believe me when I say you all are not the only ones who I’ve been neglecting!

But, I did decided to take time and log on for a reason today.

#1. It’s TAX TIME! and…
#2. I’m setting up my very first REAL website with bluehost (will be up sooooon) which I actually had to save up to afford since you can’t ACTUALLY pay by month – you have to pay for a full 3 months – 3 years. 

It kind of got me thinking about how freelancers and contractors manage their finances especially when we so often don’t know where it’s all coming from!  Let’s face it, we can’t all afford an accountant.  I personally have an excel spreadsheet that I’ve set up to keep track of what I’ve made and it automatically calculates what percentage I need to put aside for taxes.  Of course many freelancers kind of need that percentage and don’t acually put it aside so at the end of every year they are left praying that their child tax credit covers the difference.  (You know who you are!)

I suppose others have their own system or maybe no system at all!  So freelancers of the world, I want to hear from you.  How do you manage your finances?  What kind of software system are you using and does it work well enough or does it lack some features?  I’m not just curious, I actually REALLY need a new system for keeping track of finances! 

In return for your generous advice I would like to share with you “The Freelance Writers Anthem”.  If it doesn’t show up below you can find on youtube here.

Why I Can’t Go Back to the Cubicle.

•December 24, 2008 • Leave a Comment

One of the downsides to freelancing is that your income is unpredictable at best.  So when money got tight, my hubby said to me: “Why don’t you find a part time job while the kids are in school?” 

As soon as he said the “J” word, I started having flashbacks:  I’m in an office with glaring lights all around me.  There’s a stack of filing (my all-time most loathed task) to my left and a ringing phone on my right.  I’m tethered to a completely stationary desktop computer and there’s someone behind me repeating over and over, “You’re always late, you leave too early and your production level has gone way down.  Are you even listening to me now? Well, are you are you are you are you…” 

Despite my reservations, I looked around for work.  There were plenty jobs out there for an educated gal like myself and I got several callbacks for interviews.  But every time someone would call or email me, I came up with an excuse for why I couldn’t possibly work for them.  Either the hours weren’t right, it was too far away or the pay wasn’t enough.  There was a whole list of perfectly legitimate (excuses) reasons. 

You see, at one point or another I had a cubicle or a 12×12 office (which I shared) and a stationary desktop PC.  I would start each new job with a renewed sense of hope and optimism that this is the job.  This is the company that I will spend the next 20+ years blissfully working for.  I had visions of working my way up the corporate ladder and making enough money to live comfortably, etc.

Alas, inevitably it was always the same story.  After a month, a year or *gasp* even three years I would reach the same desperate state of boredom, complacency and disregard.  I would start coming in a little later every day: two minutes, five minutes, ten minutes then by the end I would be lucky if I could get my ass to the office before 10:00am.  I absolutely HATE office gossip and politics, yet for some reason it’s my lot in life to be at the center of both without really having to do anything.  I would become depressed, cynical and distant and would find a reason to quit if security didn’t come to get me by Friday at 5pm.  I couldn’t help but wonder what was wrong with me.  I mean, everyone else who works in an office environment seems happy.  They show up on time, enjoy the structure of the workday, have conversations by their peer’s cubicle and leave with a sense of accomplishment at the end of the day.  I can do that, right?  The answer was a resounding “NO”. 

My story is a very common one.  I didn’t know that at the time, but knowing it now makes me feel like WAY better.  I’m not a slacker.  I’m not an idiot.  I just needed to find the right job.  Freelancing has allowed me to balance my life and live on my own terms.   Teaching has allowed me to show others what I’ve learned. (…and yes, socialize a little)  I can bring my kids to a doctor’s appointment without having to “make up hours” at work.  I can leave when I want, stay when I want, do only the tasks I’m interested in doing, exercise my creative mind and (God forbid) go to the bathroom without having to tell anyone.  And maybe people haven’t stopped talking about me, but at least I can’t hear them anymore!

Needless to say I called off my search for a part time day job. (Did I ever really start?)  I left the World of Offices and all the florescent lighting, industrial rugs, desktop PC’s, pettiness, repetitive tasks and faulty copy machines that go with it.  Quite frankly, I just CAN’T bring myself to go back.  I won’t do it and there isn’t a large enough heap of money to make me.  I still believe that I can make that heap of money on my own. 

So burnt out office workers of the world, I’m going to tell you the same thing I’ve told my own children:  Find what you love, then find a way to make money doing it.  Live your dream.

Holy Snow!

•December 22, 2008 • Leave a Comment

We made it through the ice storm a couple weeks ago with minimal power outages,at least on my side of the town/state.  We only lost ours for a few hours and most of Maine was turned back on in 3-5 days.  Some folks in Derry, NH however have been without power for 10 days and may have to wait another 2-3 according to our local news channel.  I guess it’s a good year to be a plumber considering all the pipes that have frozen and cracked by now.  Most folks who don’t have power/heat also won’t find out if they have a crack in their pipes (or where) until it thaws out.  It’s probably also a good year to have a wood stove.

I was loving it when we got that really nice 2″-3″ of snow a few days ago.  That kind of snowcover really makes everything look pretty and it’s not such a big pain in the butt.  Then the Nor’Easter hit.  It’s still pretty and wicked fun to play in, but holy snow!  My hubby and I were digging out my car at 5:30am so I can move it when the plows come through later.  Luckily his 4-wheel drive Ford F150 truck didn’t take much shoveling out – it pretty much just goes where it wants.

You know, I used to complain about this weather.  The cold (it was about 10 degrees F yesterday) the snow, the barren trees… it used to bother me.  “How depressing!” I thought.  But after moving away to Salisbury, Maryland and getting a chance to miss it, I have to say I don’t think I’ll ever move away from New England again.  I missed the seasons and you appreciate summer so much more when you only get about 2.5 months of it. 

Plus there’s no place in the world like New England Ice Cream.  Despite our cold weather, New Englanders consume more ice cream year round than any other place in the world.  If you’re ever in the North East, Hodgies and a little place down by Kettle Cove are the best – of course those places are seasonal.  If you want ice cream in winter you have to go to the grocery store like everyone else.  So yeah, I got some Moose Tracks in my fridge.  In fact, I’m going to go sit in a snow bank and eat a bowl right now.

Anyway, I thought I would leave you all with some pictures from the ice storm and the latest Nor’Easter event…

 

Helium is Pissing Me Off

•October 25, 2008 • 10 Comments

Okay, I’m pissed – so naturally I had to blog about it. I emailed Helium.com and requested that they delete my profile because I wanted to use the seven articles I had on there in other places where I could make money on them. I emailed them 3-4 times over the course of a week or so and got ZERO response. Okay fine.

So what’s the quickest way to get your account deleted from a place? Inappropriate content, right? Wrong!

Apparently Helium.com values inappropriate content because after I swore and complained incessently in what should have been an article about muffins, they actually promoted me to one of their “Premier Writers”. Great! That’s like getting promoting the janitor to VP of the company without giving him a raise. F&#k you helium.

After exchanging emails a couple of times (they finally emailed me back after I posted the cuss-infested article) they decided to lock me out of my own account, so now not only can I not post anymore articles, but I also can edit or alter my own profile or existing articles.

helium-is-pissing-me-off

Here’s the thing, Helium. I write for a living. You have no rights to my work (by your own admission – I have it in an email) so when I request that my articles, profile and account be deleted, that means I need it deleted right away.

So there’s a lawyer right here in Maine who has agreed to help me out. I told him I’d call him on Monday if they didn’t delete it after my last warning via email that I was giving them 48 hours to comply. But here’s the point of writing this online: I’m letting everyone know to stay the hell away from Helium. I’m sure there’s people who make money off their website, but the majority don’t. Besides that, their smug-we-don’t-have-to-respect-you-or-your-rights-as-a-writer attitude don’t make it worth doing anything with or for them.

I’ve said it before – go to helium to catch a little inspiration or to climb out of a writer’s block, but don’t post there because you can make money with that idea somewhere else.

Good luck and happy writing!

OMG! How long has it been?!

•October 1, 2008 • 1 Comment

Hey all,
Sorry about the time-lapse between posts. I actually am not ready to write about publishing an ebook yet – mostly because I’m attempting to write one all about SEO and SEM. In the meantime you can find a WHOLE BUNCH of useful advice, articles, etc on my MySpace at myspace.com/thehardcorefreelancer.

Yes, I suck. After I’m done with this project I’ll be sure to post more on here about getting ebooks published and a whole mess of other things… that is if I don’t start another ebook on freelance writing. In the meantime, just to show you how I feel about neglecting my posts, please enjoy the picture below of a sorry puppy.

Writing E-Books and Other Tidbits

•August 15, 2008 • 1 Comment

This week I’ll be going over tips on writing eBooks. 

 

Everyone knows something that’s worth writing about.  Whether you are a gardener, an artist, or an auto mechanic, you have some tidbit of knowledge that may improve the lives of others.  Do you know how to plant and care for perennials?  Have you been someplace interesting?  How about basic auto care like changing tires and oil? (I sure wish someone had told me that I was supposed to put water in the car battery!)  You can write an eBook about practically anything.  The last one I wrote (I ghostwrite informational eBooks,) was targeted towards online merchants.  It gave useful information on chargebacks, fraud and online security, and went over some of the basics of recognizing ways to avoid and/or deal with these issues.

 

E-Books are great for newbie writers because they’re not always as long as traditional books, especially if they are meant to offer useful information or advice.  Make sure that you’re not writing less than 25 or 30 pages though and price accordingly.  I’ll talk about that in my next post when I go over publishing options.

 

For writers who have never undergone the task of writing an eBook, it can be a bit jaunting.  The key is finding ways to keep yourself focused.  Keep in mind that writing an eBook isn’t necessarily about writing one huge document, it is actually the act of writing several smaller interrelated documents and seamlessly tying them all together.  Here are some tips to help get you started:

 

 

1)     Decide who your audience is going to be.  Are you introducing the basics of your topic, or are you presenting a more advanced idea?  How old is your demographic?  Are they male or female?  What will they use this information for?  Knowing who your readers are will help you to screen out what information you need to include, and what you can leave out.  Also, it will help you to write in a tone that will keep their attention.

 

 

2)     Write down a general idea that encompasses what your book is about.  If you can think of a title, it may help you focus on the general topic.  Don’t worry about being clever just yet.  You can always go back and change it later.  An alternative to this is writing down a “thesis statement” of sorts.  Anything that helps you keep the main idea in mind.

 

3)     Write down a list of chapters.  If you don’t want to give each chapter a name, just write down what each chapter will be about.  Again, nothing clever; that will come later if necessary.  Right now you are essentially building an outline to help you focus.  Later, you may split one chapter into two separate chapters, or you may consolidate if you find two chapters are very much related or too short as they are.  Each chapter should have an introductory paragraph which tells the reader what this chapter is about and why they need to know this.  How does this chapter tie into your main idea?

 

 

4)     List out your subtopics for each chapter.  If you’re used to writing articles, then think of each subtopic as just that – an article.  Try to write at least 500-750 words under each subtopic heading.  You can include data and pictures, create graphs, etc., but the majority of your work should be helpful information and useful tips.  In other words, make sure you have substance, and not just fillers.

 

 

5)     As you research information and interview experts, don’t forget to site your resources.  This is one of the most important parts of your book since it will keep you from getting in any legal trouble.  Also, even though it’s not necessary, it is nice to let people know that you have sited their work.  While this is not always true when citing work from research done by corporations, it is good manners when citing quotes and data from an author’s book, blog, article or website.  It’s also a great way to network!

 

 

6)     Set goals for writing everyday and stick to them.  This is absolutely the HARDEST and most NECESSARY part of writing.  It’s not unreasonable to write 5-10 pages a day and set a deadline for the rough draft in 30 days.  Mark it off on the calendar so it’s “official”. 

 

 

7)     Okay so now you should have a working title, Chapters and subtopics under each chapter.  This is a good time to write an introduction, conclusion, table of contents, and recheck your reference list.

 

a)     An introduction is just that.  You introduce yourself and state why you wrote this book.  What is the purpose?  What should people get out of it?  What is the main idea that you want readers to keep in mind while they are reading?  Write a paragraph that touches upon the main idea of each chapter so the readers know what to expect.  This doesn’t have to be long.  Introductions can be one page or several pages.  It depends on how much you want to write.

 

b)     Your conclusion should be a summary of everything you have written.  If you could summarize your book in two or three paragraphs, what would you write?  Much like the introduction, your conclusion can be one page or several pages depending on how long your book is and how much you have to say.  Conclusions can poise questions about topics that your book hasn’t covered because there’s either a lack of research being done on the topic, or maybe you want to save that for another book.  This will help to peak the readers interest in any further writing that you do.  This is also a great place to give readers information on resources (besides the ones you’ve cited for your work) that will help them to discover more about the subject.

 

c)     A table of contents is super easy to create if you have written your eBook in MS Word.  Go to “Insert” then “Reference” then “Index and Tables”.  I’m not going to write a big tutorial on this since MS Word’s help option is pretty sufficient if you get confused.  It’s pretty easy though. 

 

 

8 )     Before you call it a day, you may also want to consider inserting some kind of vocabulary index into your book.  This is especially true if you are writing for an audience who knows practically nothing about your field of expertise.  Take into consideration the fact that you may be using words that your audience has either never heard of, or may not know the real definition of.  You can either insert your vocabulary index after the introduction as part of the text, or after your conclusion as an appendix.  

 

 

9)     Revise your Draft.  If you don’t have the money to hire an editor, then put the book down for a day and look at it tomorrow with a fresh set of eyes. Try to catch errors that spell check may not have gotten.  Remember that spell check often does not catch missing words, or words that are spelled correctly but misused in a sentence.  Check, recheck, and then recheck again.  If you have a friend whose grammar is slightly better than yours, then see if they will help you out as a favor, or offer to pay them when the book starts to sell.

 

 

YOU ARE NOW READY TO PUBLISH AND SELL YOUR E-BOOK!  We’ll go over this part next time.  I promise not to take so long between posts!  

 

 

 

 

 

 

 

 

 

What’s in a Name?

•July 31, 2008 • Leave a Comment

What’s in a name, you ask?  Everything!  Think of it this way: A rose by any other name may smell as sweet, but I’d like to see how many people would go sticking their noses near them if we had given roses a name like “crap” instead.

 

If you aren’t on oDesk already (and if you’re a writer, you should be) I’ll give you a quick description of what it looks like.  Writers can type in a brief description of what they do so that when they submit a bid on a job, the potential client can see an interesting tagline or a list of descriptive words which will hopefully catch their attention.  i.e.: Data Entry Specialist, Excel Guru, Web Content and SEO Master… etc. 

 

For awhile I had put “editor and freelance writer” in that space and had left it there for a couple of weeks.  Well, I got to noticing that my little descriptive tagline was really no different than everyone else’s.  I mean, in this sea of freelance workers that is oDesk, what is setting me apart from the others?  So in true marketing form, I decided to change it to “The Hardcore Freelancer”.  Over night I started getting almost more work than I could handle.  That same week I registered my new business name with the IRS. 

 

My point is that just because you’re a solo act, doesn’t mean that you aren’t a business.  Not that your real name is crap.  I’m sure it’s fantastic.  But why not upgrade your marketing efforts as a freelancer? 

 

It can give you an extra sense of security too.  Besides having a catchy name, registering yourself as a business allows you to use an Employer Identification Number (EIN) in place of your Social Security Number.  Even if you are a contractor or sole proprietorship with no employees, you can still have an EIN and use it to register with PayPal, oDesk and any companies you do contract work for.  

 

So go ahead and step it up.  You may think your new business name sounds silly at first (God knows I did!) but if it makes you stand out and attracts more business than who cares!

 

Getting Creative with a Marketing Degree.

•July 28, 2008 • Leave a Comment

Maybe you’re in my position.  I got a business degree and for a long time I didn’t even use it.  I thought it was such a waste for awhile that I actually resented having to pay my student loans every month.  Well, I’m ready take back everything bad I may have said about that degree of mine. 

I know I said that it’s been tough to find a full-time’s worth of writing gigs, especially with just a BS in Marketing, but Holy-Moly!  There’s a ton out there for us business folks.  You just have to get a little creative.  Like I said before, there’s lots of money in technical writing and I may have mentioned white papers (did I?) But I’m finding that there is a lot of work for us marketing and business people in the search engine optimization, sales copy and web content arena.  I mean, I knew there was, I just didn’t realize how much.  In fact, I’m happy to report that on more than one occasion, I was actually hired BECAUSE I had a degree in marketing!

Speaking of creative writing though, I did always picture myself doing more creative writing and maybe some journalism.  But, I suppose I can’t expect my creative-oriented career to start off too smoothly with two unfinished books (oh wait… three including the children’s book) and myriads of ideas and outlines written down on scrap paper which are floating around at the bottom of my purse as we speak.  Besides, even though it takes up all my time, all that sales copy, SEO and web content stuff is bringing in a rather steady paycheck. 

So I’ve decided to make a commitment, (other than writing in this blog 3x a week – which also hasn’t happened,) to start finishing some of my previous pieces.  I’m just not sure where in my 12 hour workdays that I’m going to find the time.  So far I’ve committed myself to dedicating just one hour a day.  I don’t know if this will be enough time to get any creative juices flowing, but we’ll see.  In the meantime, I’ll keep you posted on any helpful hints a suggestions I find along the way.

But wait!  I need you too, dear readers.  Have you written a book?  A series of short stories?  If so, how did you get it done in addition to the daily obligations that eat up your time and frankly, suck the creative energy right out of you? 

Anyone?  Echoooooo…

Start Writing for Magazines

•July 25, 2008 • Leave a Comment

Hi all,

 

I got pretty busy this week with work (yay!) so I didn’t have time to write here (boo!).  I recently got accepted as a contributing writer to Prevention Magazine and was thinking that it may be helpful for other budding writers to know how to get yourselves accepted.

 

First let me say that Helium is still a great place to get ideas for articles.  If you’re like me and need a little “prompting” sometimes to get started, then it’s definitely the place to go.  I’m finding though that it may be even more useful to get some ideas from the Helium list of subjects, then reserve some without publishing.  I say this because in the last week I’ve had four requests for original unpublished work submissions to places like brighthub.com and Prevention Magazine.  So if you get a great idea, don’t go posting right away in a place that you may not get paid well for it.

 

Getting yourself in the door for magazines isn’t hard.  Usually, all you have to do is submit a sample or cruise their website. 

 

brighthub.com pays$10 per article and then offers royalties on any money they make off of your article. 

 

Associated Content has a fair and comprehensive payment system as well. 

 

While Prevention Magazine pays the least and requires the most work, ($24/week at $2 per activity based on 1 article, 3 forum posts and 10 promotional postings each week,) it does offer something substantial to put on your resume.  But admittedly, with all my other projects and deadlines I’m finding it hard to justify the time and effort put into it. 

 

If you decide that you want to try it then visit http://buzz.prevention.com/community/ where you can enter in your name, email, etc. and someone will get back to you.  You will have to submit a writing sample and some additional information by fax or email if you can scan the documents in with your signature.

 

Try to get published are in your local magazines.  Here in Maine we have Downeast Magazine for example, where freelance writers are welcome to apply if they have a new idea. 

 

If you’re looking for a national or world magazine, try Newsweek Summer Internships.  There were no job postings for Newsweek online but here’s a link of who’s who of journalists and managers.  Maybe you can submit a couple of writing samples.

 

I also found a useful website called http://newslink.org/ that lists all the national newspapers of several countries including the USA. 

 

Wenner Media is a good place to check out possible jobs at Men’s Journal, Rolling Stone Magazine and US Weekly. 

 

Had any success in the Magazine arena?  Leave a comment and let us know!


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Breaking Up With Clients Is Hard To Do.. or is it?

•July 21, 2008 • Leave a Comment

Hi All,

 

Last week I stumbled upon an article on freelancewritinggigs.com by an inspirational writer by the name of Sue Poremba called The Luxury Of No.  In it, she spoke about how it is sometimes necessary for freelance writers to turn down work when it pays too low or the client is less than cooperative.  We all know how hard this is to do.  We would (especially when we’re just starting out) rather be working for very little, than nothing at all. 

 

But there comes a point in everyone’s freelance career when you get a client who is just unreasonable.  They’re not communicating with you in any kind of timely manner.  They’re being rude.  They’re changing deadlines.  Whatever it is that makes you loose sleep, have weird dreams and wake up mad!

 

Well today I was about to continue working for a client who took absurd amounts of time to get back to me about anything, never kept our phone-meetings and kept forgetting to give me essential information to complete my job.  But then I remembered Sue Poremba‘s words and I decided that I just wasn’t going to take this laying down.  Here’s the email I wrote to her today:

 

“Was I supposed to get something that looked like this before?

 

I’ll be honest, working with you has been difficult.  There’s a real lack of communication to the point where I didn’t get my first assignment for almost two weeks after I was supposed to start working with you.  It seems that unless you need something from me, it takes anywhere from 2-10 days to get a return email or phone call from either of you.  I don’t think this is going to work out for me.  I write full time and I really need strong communication and follow through so that I can line up my projects properly. 

Thanks anyway.


~Colleen Ruggelo-Sage”

 

I have to say I’m pretty proud of myself.  My husband (who is always accusing me of letting clients walk all over me) was rather surprised that I finally “bucked up,” as he put it.  It wasn’t so bad.  Sure it’s scary to think: “Holy-moly, I just did all that work and now I don’t even know if they’ll pay me.”  But so what?  It wasn’t that much money anyway.  And you know what the icing on the cake is?  With the time I saved arguing and worrying about them, I landed myself a better job that paid roughly 8x as much.  How about that?

 
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