When I first stumbled upon Martha Krejci's Home-Based Revolution (HBR) signature program, I had no idea how profoundly it would transform my life. As an overworked and stressed music teacher, I constantly felt torn between my passion for education and my desire to start a family. The physical and emotional toll of managing large classes, long hours, and the constant exposure to illnesses & unsafe behaviors of students in the school environment were taking their toll. I knew that staying in the profession would ultimately be unsafe for me and any future pregnancies I hoped to have.
Enter Martha Krejci and her revolutionary approach to building a successful home-based business. In the HBR program, she offered practical strategies and wisdom that helped me overcome my fears of leaving a stable career and embark on a new path that prioritized my health and future family plans. Martha's relatable style, infectious humor, and no-nonsense expertise on what she teaches made the transition from teacher to entrepreneur not only educational but thoroughly enjoyable. One of the most significant changes I experienced was the ability to create a business that truly works for my lifestyle and health needs. No longer did I have to worry about the physical strain of standing for hours or the mental toll of trying not to worry about unsafe student behaviors or parent encounters. The flexibility of a home-based business allowed me to envision a future where I could maintain my love for music education and thrive in serving the people I was made to help while also creating a safe, low-stress environment for myself and my future children.
The HBR program has provided me with so many tools which have proved to be invaluable in kickstarting my entrepreneurial journey and allowing this busy SAHM to keep things running and still get good sleep (I'm not staying up late hustling!). Martha's expert guidance helped me navigate the challenges of starting a business and implement strategies that have led to abundant success. From leveraging my music expertise in the online & homeschool space to creating multiple streams of income that help one another, the program covered all aspects of building a thriving online presence.
Perhaps the most impactful aspect of the HBR program was the sense of community Martha fosters. Through weekly Momentum Calls & 3 calls per week during the Live Run-Throughs of HBR, I found a supportive network of like-minded individuals, many of whom were also transitioning from traditional careers. This connection with others on the same journey provided motivation, inspiration, and a wealth of shared knowledge that proved invaluable as I built my business. The Home-Based Revolution isn't just about building a business; it's about reclaiming your health and preparing for the future you desire. It's about finding that elusive attempt at work-life balance and creating a career that aligns with your values and priorities. Thanks to Martha Krejci's program, I've been able to escape the physical and emotional stress of teaching while laying the groundwork for a flexible, family-friendly career. Moreover, the skills I've learned through HBR have given me confidence in my ability to adapt to life's changes. As I grow my now-family of 3, I know that my home-based business will allow me to maintain healthy pregnancies and be present for all the important moments while still contributing financially to our household.
If you're a teacher or any professional feeling the strain of an demanding career that conflicts with your health and family planning goals (or really just looking to supplement and not stress by expanding your options in this economy), I cannot recommend the HBR program enough. It has truly changed my life, allowing me to build a thriving business without sacrificing my well-being or personal aspirations. Martha Krejci's Home-Based Revolution has empowered me to take control of my career, my health, and ultimately, my future happiness. Join the revolution – your future self will thank you. With the Home-Based Revolution, you'll gain the tools, knowledge, and support needed to create a life that's both professionally fulfilling and personally rewarding. Don't wait any longer to start building the life you've always dreamed of – Martha Krejci's HBR program could be the game-changer you've been looking for, just as it was for me! Feel free to message me and ask me any questions about it, too. I'm a pretty open book!
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.
- 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.
- 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.
- 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!)
- 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.
- 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.
- 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.
- 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!
- 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!
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.
