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I also rarely ever take a rate lower than what I charge. My philosophy is: if a client can’t afford me, they should go work with another copywriter.
(3) Save for taxes — when you become a freelancer, you no longer pay taxes once a year, but WEE! Four times a year. Yu…
(4) Get an accountant — I got an accountant to help me with my taxes, and he’s fucking awesome. I rely on him to answer my financial questions and help me get things in order when it comes time to pay.