About a month or two ago, I had to have my brakes fixed. And, when I mean fixed, almost all of the parts had to be replaced. The repairs pretty much decimated my bank account, so I was more than happy that I paid off a loan around the same time, which filled my credit with the glow of responsible decision making.
Because my account now has the brakes deficit, and because a publication I write for is more than a month late in paying me, I decided to ask my credit union for a loan. And, I discovered that since my day job only provides about 25 percent of my income, and that's what they go by, I won't qualify for a loan until I "make more money."
My response was to ask what I should do in case of an emergency. The credit union rep's response was to "make more money."
Fortunately, the payday advance rep at the seedy office a few blocks from my house was more understanding.
I also realized while doing my taxes that things are a lot more complicated this year. I am now considered the sole proprietor of my freelance business and should have been saving my receipts on just about everything I bought last year, from gas to notebooks.
Soon I will be posting an account of my battles with tax season during my first year as a paid freelance writer.
More to come soon.
