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The Money Book for Freelancers, Part-Timers, and the Self-Employed: The only personal finance system for people with not-so-regular jobs
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The Money Book for Freelancers, Part-Timers, and the Self-Employed: The only personal finance system for people with not-so-regular jobs

4.05  ·  Rating details ·  364 ratings  ·  67 reviews
This is a book for people like us, and we all know who we are.
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 our dreams: 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. Unfortunately
Paperback, 297 pages
Published March 2nd 2010 by Three Rivers Press (first published June 3rd 2006)
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Average rating 4.05  · 
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 ·  364 ratings  ·  67 reviews

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Chad Warner
Nov 03, 2014 rated it liked it
Recommends it for: self-employed, freelancers
Recommended to Chad by: Goodreads
A decent primer on personal finances for the self-employed, aimed at freelancers and microbusiness owners. The advice is sound but quite basic. I'm already doing almost everything they advocate.

It covers saving (for emergencies, taxes, and retirement), spending, and debt. It also briefly covers insurance and estate planning.

How long to keep financial records
• If you owe additional tax, keep for three years.
• If you claim credit or refund, keep later of three years or two years after tax was
Feb 02, 2011 rated it really liked it
Just got this book last night, and I'm already halfway through. I've been freaking out about wrecking my finances when I become self-employed; this book reminds me that there's no magic to it. Figure out how much money you need for the stuff you need, and put that much aside when you have money so you can get that stuff. Even self-employed people can have health insurance, an emergency fund, a retirement, sick days, etc., if they do the math and follow through.

There is nothing in this book that
Jan 01, 2011 rated it it was amazing
This book is a veritable godsend for those of us who have non-traditional jobs with erratic and unpredictable income. Had this book existed three years ago it would have saved me two years of toil and struggle as I experimented with methods of achieving financial security as a self-employed individual. It seems that 99% of financial guides make the assumption that the reader has a regular and dependable paycheck, and this book is for those who experience a "feast or famine" cycle. The authors ar ...more
Jul 07, 2015 rated it really liked it
A good introduction to personal finance for freelancers and the self-employed. However, it focused a little more on strategies for those with a lot credit card debt or overspending issues than I expected. Neither problem is an issue for me right now (and hopefully, not in the future).

I was also surprised that they didn't address the topic of keeping personal and business accounts separate a little bit more. I've heard from multiple individuals (entrepreneurs & accountants alike) that this is a g
Dec 05, 2012 rated it it was amazing
This was such a great book! It was very helpful in giving me direction and motivation. If you are just looking for a self-help type book that just throws out theories and tips, this is NOT the book for you. This book really makes you get hands on with your finances. Each chapter has different objectives. At the end of the chapters it gives a little list of all the things you are to do next or to have done in that chapter. Part 1 seemed like fluff to me but I realized the authors were just trying ...more
Sep 07, 2011 rated it liked it
Shelves: various-skills
Totally useful, though quite longwinded to get across a simple message. It's a how-to guide for managing your finances (especially how to save money longterm) if your income is variable and unpredictable, like freelancers and people employed part-time or who work for tips.

The book had a few things that differentiate it from a traditional, holistic personal finance book (like The Financial Peace Planner, which I definitely recommend-- finance geared towards low-income folks). These included organ
Michael Starghill
Aug 12, 2017 rated it it was amazing
Excellent! I highly recommend this book to all the self employed folks out there. It really helps with getting a grasp on the ebbs and flows of income that come with the self employed life. It also helps with structural ideas about planning for your financial future. Very informative and extremely helpful.
Joel B Pryde
Feb 18, 2017 rated it really liked it
Fantastic and essential book for anyone who works for themselves.
Mar 15, 2011 rated it really liked it
i think this would be a really good book for anyone who has never read anything about personal finance or who is just starting out freelancing. since i've been freelancing for 6(!) years now, i'd figured a few things out by trial and error. but it would have been nice to have this book at the get-go to clue me in on a few things!

one thing the book didn't seem to mention at all though is the federal self-employment tax. it's 15.3% of your income off the top if you're self employed. so, saving jus
Dec 06, 2012 rated it really liked it
A great resource for people with irregular income, whether that means you're part-time, freelancing or self-employed. Authors teach a simple, scalable finance system that shows you how to make your money work for you so you can avoid the "feast or famine" lifestyle. Of course, the book can only provide so much information, so you'll still need to hire a CPA and/or business attorney to make sure you're making the best financial decisions for yourself/your biz, but the book is definitely a great s ...more
Jan 13, 2018 rated it really liked it
This is a very direct read, with plenty of exercises in it to reevaluate one's personal finances. Doing the exercises helps one to get the most out of this book. Even if you don't, and you aren't a freelancer (yet), this is still helpful to read. It is geared towards freelancers, so anyone else in a different situation would have to reconfigure it to better match their lifestyle. However, the main lesson in the book can apply to everyone: save your money!
It is helpful that this book does not get
Lisa Mccoy
Mar 31, 2018 rated it it was amazing
I wish I had known about this book years ago! Completely indispensable for freelancers and the self employed. I went through the entire book first and now will go back and complete the exercises. This book is a game changer.
Jan 04, 2017 rated it it was amazing
Very practical and useful guidance for independent contractors and the self-employed. The book is nicely peppered with humor too: "credit cards are the handmaidens of Satan."
Jan 29, 2018 rated it it was amazing
A "must" for freelancers.
Jul 22, 2018 rated it really liked it
Good financial guidance for the not regularly employed, but also solid advice for all.
J. Franklin
Aug 30, 2018 rated it it was amazing
Very practical and helpful book for those of us in the gig economy!
Kasun Pathirage
Mar 20, 2019 rated it really liked it
A good book for a new freelancer or one who is not good with money. Valuable advice on saving and client relations.

On the flip side, light on investment advice specifics in my opinion. Also seems to be assuming that all freelancers are under significant debt.
Aug 27, 2010 rated it really liked it
Shelves: reviewed
I really liked this book, although I am not self-employed (yet!) though I plan to be in the (hopefully) not-too-distant future. I got this book at the library, but plan on buying it when I actually do become self-employed to have on hand. Actually, I just now noticed that it being given away--perhaps I could win it!!

This is very well-written book with a dash of humor. And it is very understandable to someone whose mind goes numb when confronted with legalese and financial mathematics. Plus, I r
Sep 17, 2010 rated it really liked it
Shelves: first-reads
I won this book in a Goodreads firstreads Giveaway. I have recieved the book last week, but no chance to read it yet. It is on the list to read soon. I am looking forward to learning something from it.

OK - I am working my way through the book. I was looking forward to it, then I was hesitant. Really, who wouldn't want to improve their fincancial savy, but the actual effort part was a bit of a scary prospect. I also didn't know the best way to approach this at first. I love the way this book is
Connie  Kuntz
Mar 14, 2011 rated it really liked it
The authors of this book respect the freelancer's journey. They don't judge it. There is lots of good advice in this book about saving money, especially pertaining to online savings accounts and percentages. There is also good advice about understanding money. Money is not something to feel guilty about. Neither is freelancing. Money is something to save. Freelancing is a way to save money.

The authors never once ask the freelancer to be anything except who he or she is. Instead of requesting th
Mar 15, 2010 rated it really liked it
Shelves: good-reads-win
I got this book through the give-a-away from here. Even though this was written for the self-employed it had a lot of practical advise the people with regular jobs could apply also. I found this a very easy to read in every day language with step by step guidelines to help manage your finance system. There are so many areas that the self-employed MUST take care of that those that are employed by others have automatically done by our bosses. It is so important that one covers all the financial ba ...more
Jan 18, 2012 rated it really liked it
The Money Book for Freelancers, Part-Timers, and the Self-Employed is a straight-forward, accessible guide to managing an inconsistent income. The authors offer financial advice alongside personal anecdotes, which helps to make the book readable as well as informative. There is also an appendix that lists financial software options, web resources, and top investment firms to supplement the suggestions provided by the text. While not all of the information was specifically relevant to me, I found ...more
Jan 18, 2012 rated it really liked it
The Money Book for Freelancers, Part-Timers, and the Self-Employed by Joseph D'Agnese and Diane Kiernan is an excellent resource for everyone who chooses to work outside of the regular corporate world. The subtitle says it all: "The Only Personal Finance System for People with Not-So-Regular Jobs."

Working as a freelancer or self-employed person comes with all kinds of money issues that never arise for someone who chooses to work within the "system." This resource can save you a lot of headaches
Jan 23, 2012 rated it really liked it
Shelves: first-read
I won this book from a giveaway. I really liked it. I have read over 25 books on personal finance and money and I feel like this book has encompassed much of what several other books have discussed. It is an "all in one handbook" and well written. I feel it is easy to follow. Good for someone struggling to learn how to get their finances under control and good for someone like me who knows and understands the methods but could always use a refresher or reminder to stay on track. I ...more
I can not recommend this book enough. When I first bought this book years ago, not everything applied to me. I took from it what I needed and put it away. Every few years, or when something changes in a big way, I pick up The Money Book and re-evaluate. Each time I read through it, I gain new insight based on my experiences and the changes in my life.

Though much of the book references freelancers, anyone can gain help from this book. I've always worked some form of retail and currently also hav
Tally, The Chatty Introvert
Dec 06, 2016 rated it it was amazing
Finally! A text useful for the (poor schmucks?) among us who don't have that steady paycheck every week or two (or month). I've read too many books regarding budgeting and such, but they assume everybody gets paid the same times and roughly the same rates each time. I'm so glad I found this book, it's already helping and I haven't done any of the steps it lays out yet (but I'm about to start). Great read with some humor and very useful knowledge. If you're up to your ears in part time/sporadic/f ...more
Jun 08, 2010 rated it it was amazing  ·  review of another edition
I won this book and am so glad I did. The book was sent quickly and signed with a personal note by the authors.
Even though this was written for the self-employed it had a lot of practical advise that people with regular jobs could use also. It was written in everyday language with step by step guidelines that were easy to understand. The book was interesting with a touch of humor that made you want to keep reading. I've already recommended this book to several family members - self-employed and
Christopher Obert
Nov 07, 2010 rated it really liked it
Shelves: read-2010
This book has it all. If you are just starting out in the world of self-employment or you are a long time outworker, you should be able to find something useful in this book. The book, in my opinion, is geared to the newly self-employed. It takes you by the hand and brings you step by step to where you want to be with your personal business finance system. I found the book to be well thought out and is so detailed that even long time freelancers should be able to find something to help them impr ...more
Belea Keeney
Mar 02, 2013 rated it it was amazing
A stellar contribution to help freelancers, part-timers, and all those other weird designations for the non-traditionally employed. Their basic strategy is to desginate un-touchable accounts where income is *immediately* funneled away from a spending account. Then only spend from the spending account.

The other suggestion they have, which will be helpful and do-able, is start somewhere. No, you may not be able to start saving 20% off the top right away, but you can probably start with 3% or 5%.
Mar 05, 2013 rated it it was ok
Shelves: finance
This is an excellent book if you are or planning to be a freelancer in the future. It gives you a lot of information in a very realistic way. It is a pretty basic book, but if you have at least have a basic knowledge of finance, then this is not for you. I do wish the authors would have elaborate more on taxes, insurance, marketing, etc. Excellent book that contains basic knowledge for freelancers.
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Joseph D’Agnese is an award-winning journalist whose work has appeared in the New York Times, the Wall Street Journal, and other national publications. His work has twice appeared in Best American Science Writing (HarperCollins). His children's picture book, BLOCKHEAD: THE LIFE OF FIBONACCI, was chosen as an honor book for the Mathical Book Prize—the first-ever prize for math-themed children's boo ...more

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