budget

Navigating the Challenges of Inconsistent Income: Financial Tips by a Freelancer for Freelancers

Navigating the Challenges of Inconsistent Income: Financial Tips by a Freelancer for Freelancers
Navigating the Challenges of Inconsistent Income: Financial Tips by a Freelancer for Freelancers

For many individuals, the allure of freelancing lies in the promise of flexibility, autonomy, and pursuing one's passions on their own terms. However, the transition from a traditional 9-to-5 job to freelancing comes with its own set of challenges, chief among them being the uncertainty of inconsistent income. Balancing the demands of work, family, and financial stability can feel like walking a tightrope without a safety net. And if you're like me, this was one of the main concerns I had with making the leap.

Fear not, for there are strategies you can employ to navigate these concerns and thrive in your freelance endeavors. Whether you're a seasoned professional or just dipping your toes into the world of freelancing, these financial tips are tailored to help you weather the storms of inconsistent income. I implemented these upon making the transition, and it was overall very smooth.

  1. Build an Emergency Fund: Start by establishing a buffer fund to cover essential expenses during lean months. Aim to save enough to cover three to six months' worth of living expenses, providing a safety net to fall back on when work might be more scarce.
  2. Embrace Budgeting: Take control of your finances by creating a detailed budget that accounts for both fixed and variable expenses. Prioritize essential costs while identifying areas where you can cut back or optimize spending. Base your budget off of a low month so that you are not surprised by the low months and are able to save for the low months during the higher months.
  3. Diversify Your Income: Explore multiple revenue streams within your freelance niche to mitigate the impact of inconsistent income. Consider offering additional services, products, or leveraging passive income streams to supplement your primary source of revenue (this is where the GOLD of HBR comes into play! Message me the word "HBR" to learn more!)
  4. Establish Clear Payment Terms: Set clear payment terms and policies with your clients to ensure timely and consistent compensation. Consider implementing upfront deposits, milestone payments, late fees, and/or invoicing reminders to maintain a steady cash flow.
  5. Plan for Taxes: As a freelancer, you're responsible for managing your own taxes. Set aside a portion of your income each month for taxes, keeping track of deductible business expenses and maximizing tax-saving opportunities. I have been asked about my system for this a lot lately. Would it be helpful for me to put something together for you that's customized for music teachers? Message me if so and let me know.
  6. Fair Rates: Know your worth and advocate for fair compensation for your services. Research industry and local standards, communicate the value you bring to your clients, and don't be afraid to negotiate rates that reflect your expertise and experience.
  7. Invest in Continuous Learning: Stay ahead of the curve by investing in professional development and expanding your skill set. Allocate time and resources for courses, workshops, or certifications that enhance your marketability and open doors to new opportunities. I have a few recommendations for this musically and entrepreneurally (yes, I just made up a word, ha!) if you need!
  8. Prioritize Work-Life Balance: Maintain boundaries between work and personal life to prevent run-down fatigue and maintain overall well-being. Schedule regular breaks, establish a dedicated workspace, and prioritize self-care activities to recharge and stay productive.
For a few more practical how-tos including explanation of some of the above, check out my Self-Employed Music Teacher Budgeting Tips!

Freelancing offers unparalleled freedom and flexibility, but it also requires discipline, resilience, and careful financial planning if you're the main source of income for your family. By implementing these financial tips and embracing the ups and downs of freelancing, you can navigate the challenges of inconsistent income with confidence and build a sustainable and fulfilling freelance career. I have, and you can too!

Remember, you're not alone on this journey. Reach out to fellow local freelancers, join online communities, and seek mentorship to share experiences, gain insights, and support one another along the way. Here's to embracing the freelance life and charting your own path to success!

5 Natural Resources for Moms on a Budget

Being a crunchy mom on a budget means wanting to incorporate natural and holistic approaches to parenting while also being mindful of your finances. Here are five resources that can help you navigate this lifestyle without breaking the bank:

1. Natural Parenting Blogs and Forums:
   - Mothering.com: This is a community-driven website that covers topics like natural childbirth, breastfeeding, cloth diapering, and more. The forums are especially helpful for connecting with other like-minded parents.
   - Mama Natural: While not exclusively for moms who want to homebirth or birth center, this blog offers a wealth of information on natural living from pregnancy through toddlerhood.
   - The Hippy Homemaker: This blog focuses on DIY natural living with an emphasis on budget-friendly options. It covers everything from natural beauty products to healthy recipes.

2. Library and Online Articles:
   - Your local library is a treasure trove of resources. You can find books on natural parenting, herbal remedies, and eco-friendly living.
   - Many online platforms have articles and guides on budget-friendly crunchy living. Look for blogs or websites dedicated to topics like natural parenting, sustainable living, and eco-friendly products.

3. Social Media and Online Communities:
   - Platforms like Facebook, Reddit, and Instagram have groups and pages dedicated to natural lifestyle and parenting. You can join communities where members share tips, advice, and budget-friendly ideas. A great one is Happy Healthy and Loving Life -- you can write my name, Andrea Orem, in the membership question asking who referred you there!

4. DIY and Homemade Products:
   - Learning to make your own products can save a lot of money. You can find recipes for homemade cleaning supplies, baby products, and even personal care items like shampoos and lotions. One of my most-used ingredients in our DIY items is castile soap.
   - Websites like Pinterest and blogs mentioned earlier often have a plethora of DIY recipes. If you need some recommendations, I'm happy to send some your way, just ask! I have lots of cloth diaper, natural recipes and other recommendations I could point you to.

5. Local Farmers' Markets and Co-ops:
   - Buying organic and locally-sourced food can be more affordable when you shop at farmers' markets or participate in a community-supported agriculture (CSA) program.
   - Many co-ops also offer bulk buying options for pantry staples like grains, beans, and spices at a lower cost.
   - My state has a "Farm Direct" site and Facebook group for farmers to connect directly with consumers, which cuts the cost down a LOT. If you're in Minnesota, connect with me if you'd like an invite! And if not, try searching for your own local area to see if one exists.

Remember, being on a budget doesn't mean you have to compromise your crunchy lifestyle. It often means finding creative ways to incorporate natural and holistic practices into your life without overspending. These resources can help you discover affordable alternatives and connect with a community that shares your values.


Can I teach music without a degree?

Can I teach music without a degree?
Can I teach music without a degree?

This is a great question! The very short answer is YES.

The long answer requires asking some more questions, such as...

  • Are you referring to having no music degree or to having any undergraduate degree?
  • What setting are you wanting to teach in?
  • What kind of music are you wanting to teach?
  • What time of day are you wanting to teach?
  • What type of students are you wanting to teach?
  • What background knowledge to do already have as credentials?
These are some of the first questions you'd need to answer in order to answer the initial question. For example, I teach a few homeschool choirs (which are bursting at the seams, I almost need to start another one to keep up with the demand!). I have a music education degree, but would not need to have a degree in order to conduct these choirs. I do have some experience and great classroom management techniques as well in order to be successful at managing large groups of elementary through high school age singers in a choral context. So depending on your background knowledge and experience, that may be more important than the degree itself in being able to do the work successfully.

What time of day and type of students are you wanting to teach? If you want to teach private lessons and do that full-time, you will likely need to have evening and weekend availability, something that I myself did not want for my family and work rhythms. I only teach a handful of private lessons for this reason, and currently most of my private students are homeschooled so that they are available during the daytime hours for their lessons.

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Hopefully considering a few of these factors helps in answering the question, "Can I teach music without a degree?" for you. If this was valuable and you'd like more guidance in considering these options as you want to start a music business, I offer coaching for those wanting to begin in either a part-time or full-time capacity (my own business is part-time hours but the income is full-time level due to how I've structured it). And we have a support group with resources for those interested which you can find here too!

Myths About Teaching Freelance Debunked, Part 1

Myths About Teaching Freelance Debunked, Part 1
There are a lot of myths about teaching music freelance that I've heard from my coaching clients and others that I am going to debunk in a new blog series, so here it goes. :)

Myths about Teaching Freelance Debunked, Part 1

#1 If I want to teach freelance, I have to teach private lessons.

Nope! I do teach a couple private lessons (currently I only have 4 private students), but that is not the bulk of what I do. Mostly, I teach choirs (3 different groups) and elementary music classes during the day!

#2 If I want to teach private lessons, I have to give up my evenings and weekends.

Also no! All of the lessons I've taught from my home as a self-employed individual have been during the day. Occasionally I'll offer makeup lessons on a Saturday or an evening, but all of my lessons (at one point I had 13 private lesson students) have been during the day. How do I find students to fit this need? Homeschoolers, retired folks, and online students in other time zones are the three easiest ways, in my experience.

#3 Self-employed people pay double taxes.

While I am no tax expert (so don't take my comments as advice, just my own experience!), I have never paid double in taxes because I am self-employed. There are SO MANY things we can deduct by being self-employed that my taxes are no worse than someone who is an employee, and I have free control of my schedule, work part-time with full-time pay, and don't have nearly the amount unnecessary paperwork or meetings as employed people do. To me, the perks are worth it!

If you'd like more budgeting 101 for self-employed music teacher tips, you can grab that here. I'm all about saving you time where I had to learn the long way through living it. :)

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If this was helpful for you and you'd like to stay tuned for part 2, you can join my free group where we talk about this kind of thing all the time. I post the blogs, informative videos, and discount codes to my coaching & courses here.

How to Eat Well on a Budget

How to Eat Well on a Budget
Depending where you live, food can be costly. But there are a few simple ways to make your grocery shopping effective and efficient. After all,

All foods either help us heal or make us sick.

I personally want to do the former instead of the latter. :)

How to Eat Well on a Budget

1) Go out to eat less (or not at all!) -- eating out costs a LOT. You're paying to be waited on plus the actual food plus the labor of making it! And it's usually not healthy anyway. Save that money you would've spent eating out and budget it for healthier food at the grocery store instead.

2) Meal plan -- plan out what you're going to eat when, especially if you are busy in the evenings. (Stay tuned for an awesome meal planning freebie coming soon!)

3) Make double portions -- and either freeze the rest or eat leftovers a few nights in one week! Making food healthy doesn't mean you need to cook or bake every night of the week.

4) Ditch the microwave -- I did a training about this in Abundant Life Community if you'd like to know more about why this is important! Your food is your body's fuel.

5) Cancel any subscriptions you don't use and put that extra money each month towards your food budget. Every dollar counts!


There you have it! Feel like you've got these down but need more direction on clean eating? I've got a Clean Eating Ingredients Freebie you can check out to push the needle even further on your goals. You got this!


This is my health story

 

I have always been sensitive. That's a word that has described me, my body in particular, my whole life. I have skin sensitivities to fabrics, bruise easily, I get cold easily, I tend to be on "alert" all of the time (no coffee needed here!), I'm a musician and very creative, and I don't even THINK about using any conventional personal care or other products that are scented... they bother my skin, and they bother my respiratory system too. I've never been able to use any scented products because of the discomfort and increased sensitivity they cause. I can't be around people who wear perfume or scented deodorant, because I can't breathe well and my head has discomfort. I can't go into a public bathroom that has been just cleaned because of the toxic chemicals they used to clean it. I can't enjoy candles or most lotions or makeup like most women I know because I'm sensitive to it.

During my first semester of college, I started to develop debilitating discomfort in my jaw, which I was later told is TMJD or temporomandibular joint dysfunction, not just the kind of little twinge when you bite down on something too hard, but long-lasting aching, along with clicking and cracking. It was exacerbated by singing, gum-chewing, caffeine, and other things, and I was easily able to cut out all of the things listed on my doctor's list except for one -- singing. I was a vocal music education major, and singing was my livelihood (or at least soon-to-be), so I couldn't just not practice! I struggled so hard for 2.5 years through long choir rehearsals, voice lessons, practice sessions, and more. By the end of the day, it would be so bad that I'd almost be in tears. My roommates and boyfriend (and his roommates!), bless their servant hearts, would bring me freezing cold ice packs to numb my face enough so that I could fall asleep at least, though I would wake up in the night unable to fall back asleep due to other sleep issues I also was dealing with.

It seemed like a vicious cycle that I needed to stop. Maybe I needed to change majors and give up my dream of making music, of teaching others to make music too. Maybe I needed to pick something that didn't require so much singing and talking. Even smiling a lot bothered me, so maybe I needed to pick a major or job with less human interaction. But THAT idea broke my heart. I didn't enjoy any of the things I could think of! My boyfriend at the time (now husband!) and I had many conversations about what I should do... singing was part of the fabric of my BEING. I am MADE to sing. If you know me, you know that hardly an hour went by without me humming or singing some little tune. But my jaw bothered me so much most of the time that I needed to change SOMETHING. But what?

And that's when change came...

I found some natural and pretty simple solutions -- though simple doesn't always mean easy! It required a LOT of discipline and self-control on my part.

I'm blessed now to have so many versatile tools in my tool box for any emotion, body system, or issue I may be experiencing. So, where am I now? Healthier than I’ve EVER been. I have NO jaw issues anymore when I keep up my self-created protocol. I sleep through the night. I feel so much better now that I'm sleeping more and deeper. I've spent 4 years now working through the emotional issues I faced in early career, and I am so happy that I can now FEEL emotions without feeling completely run-over and frozen by emotions. I’m also happy to say that I have only had little illnesses since finding solutions, not the constant strep throat and other illnesses I was getting at least once per month before! And, that’s saying a lot as I was constantly around germs while working full time with 500+ elementary students. But once I started supporting my immune system, I stopped getting sick every couple of weeks. I can clean with the most amazing smelling cleaner without coughing. I can wear my own homemade "perfume" and get compliments, and not only does it smell good, it supports my body systems. I can use amazing smelling shampoo now! I can have twice as much energy for the day without drinking any coffee or sugary drink. When I started having these successes, I was at first in disbelief, and now in awe at all that God's created, I believe, and given us for our good. Now these are my first line of defense, my go-tos, the first thing I do when something is off, which is not very often anymore (usually just when the weather changes, ah MN life).


I look forward to living a beautiful life of freedom and feeling empowered every single day, enjoying the life I was meant to live. That life includes sharing my story of overcoming and helping you also find better, safer solutions to overcome your daily struggles.

Are you ready to live empowered to be your own best advocate? Let's chat.

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