11 reasons why being a freelance worker is the worst

Not having a boss isn't all it's cracked up to be.

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Complex Original

Image via Complex Original

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For the past five years, I’ve been a freelancer off and on, with a few years of staff writing work in-between. Now, since the end of last year, I’ve been both freelance and running my own website. After making some initial rookie mistakes, I now have two LLCs, an accountant, an attorney, and a stack of paperwork to manage it all that would make a Mad Men-era secretary cringe. Don’t get me wrong—I love what I do, but now that I’m doing it right, I realize that being self-employed is way more complicated than I thought it would be. 

Being self-employed provides an incredible freedom to do what you love, and to do it on your own schedule. But it also takes away from you the promise of a steady paycheck–and the knowledge that someone else is taking care of paying your taxes – that allow you to not be constantly vigilant. Everything from taking a vacation, to doing your end-of-year finances, becomes an ordeal when you’re freelancing. And to identify where the landmines are hidden, I spoke to 11 freelance workers in different industries to hear their horror stories, find out what took them by surprise, and protect myself (and maybe you) from making the same mistakes.

Chelsea Fagan is the founder of The Financial Diet, a (non-boring) blog about personal finance. She is onTwitter. 

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