The Essential Item You Need for Freelance Success That No One Dares Name

Carol Tice

Asian woman keeps a secretRecently, I began asking new subscribers to this blog to tell me their top obstacles as freelance writers right now.

The responses have been interesting, and in some cases surprising.

Quite a few of them are like this one:

“I enjoy your blog & I find it informative, but I’m still left with questions or uncertainty. I can’t afford your mentoring program, Freelance Writers Den, or even to hire/create a website (for now).

I would like guidance, so I can be sure I’m doing well in starting my business, as well as have any questions answered. I want to start off on the right foot, so to speak. How can I connect with other successful freelance writers & ask them to mentor/help me?”–Kay

So. This is awkward.

I have bad news for Kay. Even if there was a mythical free awesome professional writing coach who’d take her on as a charity case, and she got the mentoring she wants, her freelance writing business would still fail.

Why? Kay lacks an important — no, critical — thing you simply must have to launch a freelance business, of any kind.

I’m going to tell you what it is…even though I know it may make some writers hopping mad.

I don’t know if I’ve ever seen this uncomfortable issue discussed on a freelance-oriented website before.

But I think it’s not fair to delude writers who have no chance of making it as freelancers.

It’s going to be a dream-crusher for some. I apologize in advance.

Here’s the thing you need to know if you’re embarking on a freelance career:

What’s in your wallet?

To start a freelance business — or any kind of business, really — you need money.

But you wouldn’t know it to read most websites about writing, or freelancing, or building an Internet business.

There’s a disease going around about this right now that I’m going to call “no cost syndrome.”

The popular myth is that running an Internet-based business — a blog, or a freelance business — doesn’t cost anything.

Chris Guillebeau’s $100 Startup book is only the most recent tome to promote this idea.

Writers keep trying to start a freelance or Internet-based business…not on a shoestring, but on flat nuthin’. And then wondering, why they failed to make it work and had to give up and find a day job.

Here’s the reality: Ramping a startup business until it pays your bills — especially, making it take off quickly — takes money.

Whether it’s opening a shop on Main Street or putting out a shingle as a freelance writer, you have to invest in your business to make it succeed.

I get the sense it must be bad manners to mention this. Everyone wants to hear that freelancing is the awesome, magical business that defies all laws of ordinary commerce. And that you can start dead broke and you’ll skyrocket to amazing riches.

But boil it down, and freelancing is like any other business — it takes money to make money.

And meanwhile, your rent is still coming due.

How to be a freelance success

At this point in the 21st Century, if you want to present yourself as a professional freelancer to any reputable publication, website, company, or nonprofit, you need a decent-looking website. For starters.

If you’re really smart and want to stand out and get some quality clients right away, you may want to do some creative marketing, like a direct-mail campaign that costs money to produce.

You should have a professional outfit to wear in case an in-town client meeting comes up.

And of course you need a computer, an email provider, paid Internet, a web host, a printer, toner, paper, pens, business cards, and more. Each dollar you put in will hopefully be repaid many times over, as  you get great clients because you seem so pro.

But the uncomfortable truth is, it all costs money.

The corrollary: As soon as your newborn freelance business starts making money, if you really want to build a solid income, the first thing you need to do is plow a lot of that initial money right back into your startup.

That initial money is not for paying your light bill. It’s for building your business.

You’ll improve your website. Join professional organizations and networking groups. Get on a plane and attend conferences.

Meanwhile, you need some other money to live on.

Why your no-money launch will fail

Beyond the realities of needing to invest in your business to make it thrive, there’s yet another harsh financial truth of freelancing.

The freelance life is often plagued with cash-flow problems:

  • The computer hard drive dies and you need to buy a new one. Immediately. So you don’t miss deadlines and lose clients.
  • Your client stops returning your calls and takes an extra month or two to send the check.
  • Your pants rip and you need a new professional outfit to wear to meetings.
  • Your car breaks down.
  • You have an unexpected health issue, which your private insurance’s high deductible leaves you mostly on the hook for.

And so on. You get the picture.

As a freelancer, you are responsible for a lot of costs you didn’t have as an employee. Also, starter clients new freelancers tend to get are often the very type that give you the b.s. about how the check is in the mail, and leave you hanging for months.

Meanwhile, how will you eat?

I’m going to say the unspeakable: If you have no resources at all, you are too broke to make freelancing work.

You will get caught in a desperation cycle of taking any crappy client you find on Craigslist. Then, of being even more broke and desperate when that client screws you over, as lowball clients often will.

You could easily end up homeless. I know writers where it’s happened.

I realize it behooves me as someone who earns some of their living helping writers learn how to freelance to tell everybody, “Hey, you can do it!”

But I won’t.

You shouldn’t try to freelance if you are teetering on the financial brink. I won’t pretend that’s going to fly.

How to freelance when you’re broke

OK. So that was harsh. But some truths of the freelance life that need to be acknowledged.

Onward to the big question: If your bank account is empty, do you have to give up your freelance writing dream?

Not necessarily.

There are several ways you can overcome this “I’m too broke” problem and create the cash reserves you need to build a thriving freelance business:

  • Get a side gig. I’ve known writers who pumped gas, worked as a bar back, sold Avon, and more when they started out. I worked as a legal secretary for years, to support my songwriting habit. Stop buying the starving artist mystique and figure out how to put aside some money to support you as you transition into freelancing.
  • Get a full-time day job — for now. It’s also feasible to freelance on the side of a full-time gig. Takes a lot of discipline, but it can allow you to pick and choose good clients and build a quality portfolio a lot faster.
  • Find a sponsor. Maybe your spouse’s day gig will cover the bills and give you some ramp-up cash to work with.
  • Lower your expenses. Take a look at your costs — could you live in a cheaper dwelling? Take on a roommate? Stop buying lattes? Cut out cable? Most of us have optional expenditures we make and could lower our basic monthly costs if we got creative.
  • Fill the gap with credit cards. I once had a screenwriter friend who would calmly charge her groceries between gigs, confident she’d soon be writing for another TV show. If you have a high risk tolerance, this might work for you, too.
  • Liquidate assets. Got a second car you could live without? Some collectibles you could sell on eBay? You might be able to turn some possessions into cash.

If you’re not willing to do any of this to get a cash cushion you could use to bankroll your freelance writing startup, then I have a question to ask you:

Do you really want to do this?

Reaching for dreams usually involves sacrifice — read any fairy tale you like.

What are you willing to give up to never have a boss again?

If you can’t make any sacrifices to find some cash to get started freelancing, then it’s probably not going to happen. Even with the best writing mentor in the world.

What do you think — can you start freelancing with no money? Leave a comment and give us your take.



  1. Jeandre

    I started with Freelancing without a computer, without money, without any contacts and now have been working for over 5 years and generating a decent monthly income.

    Now, it took me a while to get to the point where I could actually invest and the very first thing I purchased was my own laptop.

    To get started I simply borrowed a laptop from my girlfriend and went to a cafe that provided free internet service with ‘refillable coffees’. I would purchase one coffee and sit for four hours working my mind to a standstill.

    After a month or so of this I could purchase my own laptop…then I worked on getting an apartment as my living arrangement was quite dismal. My first flat was horrendous but it served to get fast internet and I could then push out 12 hours a day.

    Eventually my fame grew and I managed to land solid monthly clients. This helped me invest into my studio which I now use to produce a plethora of content from writing to videos to music and more.

    It’s not impossible to make a successful business without money…it’s just damn hard! Money is like gasoline you pour on the fire…it will help you get a big burning fire much quicker than blowing on tinder.

    Time = Money and if you know how to properly invest your time, you can definitely lift a business off the ground.

    I agree with most of your points but I’m living proof you can do it without money and once the money comes in…it’s not yours yet…it’s for your business to propel it into the next level.

    2015 is the time where I march towards residual income and other forms of generating money as I am now comfortable with the notion of having my money make money and not trading time for money anymore.

    Anyhow, great post!

    • Carol Tice

      Thanks for sharing your story, Jeandre. I agree that anyone can START with nothing…but as you saw, a month later you were buying a laptop. The fact that you understood the need to invest in your business I’m sure helped lead to your success.

  2. gotooslow

    Carol, I am thinking you are probably preaching to the choir. The funny thing is so many people are looking for get rich quick, and in writing that is about laughable. The headings on many of the search results that I have seen, point to 2-3 perennial shall we say, “con-artists.” If people would take the time and research they would learn that there is no business worth having that doesn’t require some kind of investment. You hit the nail on the head. As you know; research is the key to any good article. Thanks for dispelling the false promises made.

  3. Clara Mathews

    Great advice Carol,

    You can start a freelance writing business with as little as $500 if you can:
    — Have the right computer equipment and good internet service at home
    — Learn WordPress and design your own website (which takes a lot of time)
    — Find good local networking groups (which can cost between $10 to $50 each month. The free ones rarely attract the kind of clients you will want to work for.

    You still need business card, website hosting, a domain name, and the list goes on. I understand the desire to start off with a small investment, but your business will never grow and be successful unless you invest the money for education and other business expenses.

    • Carol Tice

      That’s my experience, having mentored thousands of writers now. If you can’t invest a dime in your startup, it’s very hard to grow it. Any type of startup. Freelance writers seem to think they’re magically immune from this business reality, but they’re not.

  4. Lucy Smith

    That was in response to the comment way above how it’s against Jewish law to not pay on time…! I’m not sure why it didn’t nest where it was supposed to.

    • Carol Tice

      We’re having a problem with our comment threading…and glad you clarified that!


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