We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments. All of us are working toward a dream: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. We are the independent workforce. We are freelancers, self-employed entrepreneurs, part-timers, permalancers, temps, consultants, contract workers, and all-around go-getters. Some of us choose to work like this. Some of us have been given no choice in this world of mass layoffs and ever-shrinking benefits.Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and payments are late? Who is setting money aside for your taxes? Who is responsible for your health insurance?Take a good look in the mirror: You are.The Money Book for Freelancers, Part-Timers, and the Self-Employed describes a comprehensive system for earning, spending, saving, and surviving as an independent worker. From interviews with financial experts to anecdotes from real-life freelancers, plus handy charts and graphs to help you visualize key concepts, you'll learn about topics including:Managing cash flow when the cash isn't flowing your wayGetting real about what you're really earningTools for getting out of debt and into financial securitySaving consistently when you earn irregularlyWhat to do when a client's check doesn't come inHealth Savings Accounts and how to use themPlanning for retirement, taxes, and dreams-all on your own