If you are among the millions of people in this country who don’t really know how or when they will see another paycheck, chances are you’re either unemployed or self-employed—which now that I think about it, being self-employed can be a lot like being unemployed except for an unemployment check.

If you are a freelancer, a consultant, work in commission sales, the arts, or some other form of self-employment and don’t know when, how, or how much you’ll get paid from month to month, the word rollercoaster may bring more to mind than something in an amusement park. 

self-employment-like- riding-rollercoasrter

Some months you work yourself nearly to death but produce absolutely no income. Then a deal closes or you have a pretty good month, and it takes nearly all of that money to pay last month’s bills.  

Then miracle of miracles, you have a $10,000 month and suddenly in your mind, you’re making $120,000 a year. Time to call the travel agent and book a European vacation!

Does any of this sound familiar?

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