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5 Video Meeting Hacks Every Freelancer Should Know

by admin March 13, 2025
written by admin


Video meetings are the norm in business these days. In fact, they’re an essential tool, especially for those of us who freelance and work from home. Whether I’m pitching a new client, collaborating on a project, or checking on progress, video calls help me stay connected and professional.

But let’s be honest.

Virtual meetings can also be awkward, frustrating, and downright exhausting if you’re unprepared.

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Over the years, I’ve learned a few game-changing strategies that make my video calls smoother, more efficient, and more engaging. These are my top five video meeting hacks every freelancer should know.

1. Optimize Your Setup for a Professional Look

First impressions set the tone for business meetings, and your video setup speaks volumes in a virtual environment. As an entrepreneur solely responsible for attracting and retaining my clients, I know that everything I do, including my video meetings, must be as close as possible to perfection to achieve this goal.

Prioritize Good Lighting

Good lighting is a must for a professional video call. Natural light is first prize, and if it’s accessible, set yourself up facing a window squarely for even lighting.

However, natural light isn’t always available or reliable, so I use a simple ring light for effective virtual meeting lighting. Ring lights are affordable and create a flat light without any shadows.

A three-point lighting setup, typically used in professional video production, can also improve clarity by eliminating harsh shadows and making facial expressions more visible.

When I just started out, I used clip-on LED lights because they were a very affordable option. They attach easily to a laptop or monitor, providing even lighting without glare.

Clean Up Your Background

A messy background is unprofessional, distracting, and sometimes off-putting enough to deter potential clients from doing business with you. I keep mine minimal and clutter-free or use a virtual background that looks professional (not those cheesy beach scenes).

I find it helpful to use a video platform with a built-in background blur that helps keep the focus on me, not my laundry pile!

Invest in a Good Microphone

I started with my laptop’s built-in mic, but upgrading to a USB microphone made a massive difference. Clients can hear me clearly without echoes or background noise. If a mic isn’t in your budget yet, use headphones with a built-in mic for better sound quality.

Another tip is to use noise-canceling software like Krisp or Zoom’s built-in noise suppression to eliminate background distractions like keyboard typing or outside traffic.

A recent study by EPOS found that our brains undergo strain when we battle to process digital sounds, forcing us to work 35% harder to understand the auditory input. This can cause brain fatigue and cognitive overload. In other words, your audience will struggle to pay attention, productivity could tank, or you may lose clients, depending on the reason for your meeting.

Screen Sharing

As a freelancer, you may not have a boardroom and all the physical presentation tools, but most video platforms have screen-sharing features. This allows us to present critical information professionally. I often put it into full-screen mode so the information is clearer. Just be careful to show the right screens!

2. Always Have a Backup Plan

Technology is great – when it works. I’ve had Wi-Fi drop during a call, my laptop freeze, and software glitches that left me scrambling. Now, I always have a backup plan.

Keep a Mobile Hotspot Handy

When my internet connection fails, I quickly switch to my phone’s hotspot. As freelancers, we can work in all kinds of places, so it’s worthwhile investing in a dedicated portable Wi-Fi hotspot for uninterrupted connectivity.

When I have important video meetings scheduled, I test my internet speed before the call starts to avoid getting a nasty connectivity surprise halfway through the meeting.

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Have a Second Device Ready

I keep my phone or tablet nearby with the meeting link open. If my laptop crashes, I can rejoin within seconds.

Another handy trick is using cloud-based note-taking apps like Google Keep or Evernote to store important meeting details so you can easily access them from any device.

3. Use Agendas and Notes to Stay on Track

Freelance meetings can easily drift off-topic, especially if several people are involved. To avoid time-wasting, I always prepare an agenda ahead of the meeting and take notes.

Create a Simple Meeting Agenda

If I’m hosting the video meeting, I brainstorm everything I want to cover during the call. I send a quick agenda to all involved, even if it’s a few bullet points. It keeps everyone focused and ensures we cover all the necessary topics.

When creating an agenda, I consider the following:

  • The purpose of the video meeting
  • What do we need to achieve?
  • Who needs to be present to achieve the desired outcome?
  • What do others in the meeting need from me?
  • What do I need from the participants?

Once I’ve answered these questions, it’s easy to put together a basic agenda for all participants to follow. A typical agenda might look like this:

Real Estate Rental Blog Project

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  • Project updates – discuss new topics from the client with additional requirements
  • Feedback on recent work – share articles the client found impressive with other writers.
  • Next steps and deadlines – current order deadlines extended. Writers to view the new order sheet for upcoming topics.

Take Notes or Use AI Transcription

I used to scribble notes frantically, but there are several AI transcription tools available that can capture key points automatically, so this is no longer a problem. It saves time and helps me stay engaged in the conversation. AI-powered tools can improve meeting efficiency by providing time-stamped records of conversations.

4. Master Your Video Presence

Looking confident and engaged on video calls is a skill that is necessary if you want to create a professional image. Here are some tips I’ve picked up in my years of freelancing:

Make Eye Contact

A recent study on psychophysiological responses to eye contact found that virtual eye contact had the same effect as in-person eye contact. It helps people feel connected and builds trust, something that’s imperative in a virtual business meeting.

That said, it takes some focus to maintain eye contact when you’re in a video meeting. It’s tempting to look at the screen, but it creates an impression of distraction and boredom, so I try to focus on the camera.

A good way to do this is to ensure your camera is at eye level. If your laptop camera is too low, an easy fix is to stack a pile of books underneath it to create a natural face-to-face image. Alternatively, an auto-framing webcam ensures you stay in perfect view for conversations that mimic in-person interactions.

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Use Hand Gestures and Positive Body Language

A little movement keeps the conversation lively, and positive body language will keep your audience engaged. I use subtle hand gestures and nod along to show I’m actively listening.

Remember to keep hand gestures within the frame and sit upright with an open posture. Try not to frown; smile and use appropriate facial expressions.

Speak Clearly and Pace Yourself

It’s easy to speak too fast on video calls due to nerves. However, I’ve learned to slow down and enunciate my words properly so my message comes across clearly. A recommended speech rate for virtual communication is around 140 – 160 words per minute to maintain clarity and engagement.

Another trick I’ve discovered is to use pauses strategically to emphasize key points, allowing the listener to absorb what I’m talking about without experiencing information overload.

Look Your Best

Some freelancers embrace the casual lifestyle a little too much. If you want to be taken seriously, style yourself professionally. Don’t host video meetings in a scruffy hoodie with your hair still unbrushed. Dress appropriately and look professional. Some platforms even have beauty filters, like Zoom’s Touch Up My Appearance feature, for those who need a bit of extra help!

5. Record and Repurpose Your Meetings

Recording important meetings has several benefits.

Reduces Miscommunication

If a client requests something specific, I can go back and listen instead of relying on memory. Much of what we hear is forgotten within minutes, so a recorded meeting makes a great reference tool.

Creates Content for Your Business

Some meetings contain valuable insights that I can repurpose by turning them into blog posts, FAQs, or social media posts (with permission, if necessary, of course). A recorded Q&A session with a client can be repurposed into an informative case study or a tutorial video.

Review and Improve

Watching past calls helps me refine my communication skills. I notice things like filler words I overuse or areas where I could be more to the point. Professional speakers and business leaders often review recorded meetings to boost their presentation skills.

Watching recorded calls also helps to identify patterns in client expectations so I can tailor future pitches or proposals more effectively.

Let’s Wrap it Up

Video meetings are here to stay, and as freelancers, we need to hone our hard and soft skills to ensure they work for us, not against us. The primary “hacks” for all freelancer video meetings are preparation and practice. We must make sure our technology is working and that we have a backup plan for when things go wrong – and they will.

Aside from the tech side of virtual meetings, the stars of the show are human beings who need to feel connected and on board with your pitch, project, or agenda. This is where soft skills come in. The ability to communicate well and build trust with clients or an audience directly impacts the outcome of your meeting, so work on your people skills!

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Meta Description: Are you stumbling around in the dark during virtual calls? Discover the top five video meeting hacks every freelancer should know to boost their business.

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March 13, 2025 0 comment
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How to Use Direct Mail to Get More Freelance Clients in 2025

by admin March 11, 2025
written by admin


In today’s digital-first world, most freelancers I talk to are obsessed with finding clients through online channels. They’re spending countless hours perfecting their Instagram strategy, tweaking their LinkedIn profile, or stressing about their website SEO.

But here’s something that might surprise you: while everyone else is fighting for attention in overcrowded digital spaces, some of the most successful freelancers I know are quietly building their client base using a method that’s been around for decades.

Direct mail.

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Yes, actual physical mail sent through the postal service. The kind that lands with a satisfying thud in someone’s mailbox or on their desk.

I know what you’re thinking. “Direct mail? Isn’t that outdated? Expensive? Complicated?”

Trust me, I had the same questions when I first started exploring this strategy with our freelance community. But the data and success stories I’ve gathered over the years tell a completely different story.

Why Direct Mail Works for Freelancers (Even in 2025)

Let’s address the elephant in the room: why would you bother with direct mail when digital marketing seems so much more convenient?

The answer is simple: because it works.

While your potential clients are drowning in a sea of emails (the average professional receives over 120 emails per day), their physical mailboxes remain relatively uncluttered. Think about it – how many personalized, professional direct mail pieces do you receive in a week? Probably not many.

That’s exactly why direct mail creates such an impact. It stands out. It’s tangible. And perhaps most importantly, it shows a level of effort and commitment that digital outreach simply can’t match.

According to the Data & Marketing Association, direct mail achieves a 4.4% response rate, compared to email’s paltry 0.12%. That’s a staggering difference that can translate into significantly more client opportunities for your freelance business.

The Psychological Power of Physical Mail

There’s something psychologically powerful about receiving a physical piece of mail. In our increasingly digital world, tangible items carry more weight – both literally and figuratively.

Studies have found that physical marketing materials require 21% less cognitive effort to process than digital media. This means your potential clients can more easily understand and remember your message when it’s delivered in physical form.

Beyond that, direct mail creates what marketers call a “brand impression” that lasts. While an email is easily deleted and forgotten, a well-designed mailer might sit on a prospect’s desk for days or even weeks, creating multiple opportunities for them to consider your services.

Planning Your Direct Mail Campaign

Successfully using direct mail to get more clients starts with thoughtful planning. Let’s break down the process into manageable steps that any freelancer can follow.

Setting Clear Goals for Your Campaign

Before you spend a single dollar on stamps or printing, you need to define what success looks like for your direct mail campaign. Are you looking to:

Generate immediate project inquiries from potential clients who need your services right now?

Build long-term awareness of your freelance business among a targeted group of potential clients?

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Reconnect with past clients who might have additional work for you?

Introduce a new service offering to a specific market segment?

Your goals will determine everything from your mailing list to your messaging to the type of direct mail piece you create. Get clear on your objectives before moving forward.

Defining Your Ideal Client Profile

One of the biggest advantages of direct mail is its precision. Unlike some digital marketing efforts that cast a wide net, direct mail allows you to be extremely targeted in your approach.

Start by developing a detailed profile of your ideal client. Consider factors like:

Industry and company size: Which specific industries and company sizes benefit most from your freelance services?

Job title and decision-making authority: Who in the organization typically hires someone with your expertise?

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Geographic location: Are you targeting local businesses or companies in specific regions?

Business challenges: What problems do these clients typically face that your services can solve?

The more specific you can be about who you’re targeting, the more effective your direct mail campaign will be. Remember, it’s better to send 50 highly targeted mailers to perfect-fit prospects than 500 generic pieces to a broad audience.

Building Your Mailing List

With your ideal client profile in hand, it’s time to build your mailing list. This is arguably the most critical step in your direct mail campaign – the quality of your list will make or break your results.

Here are several approaches to building a high-quality mailing list:

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Start with your existing network: Past clients, colleagues, and professional contacts are often your best prospects. These warm connections already know and trust you, making them more likely to respond positively to your outreach.

Research specific companies: Identify businesses that match your ideal client profile and research the specific individuals you should target. LinkedIn can be invaluable for identifying the right contacts within an organization.

Purchase targeted lists: While I generally recommend building your own list, there are reputable list brokers who can provide targeted contact information for your ideal prospects. If you go this route, be prepared to invest in quality – cheap, mass-market lists rarely deliver good results.

Leverage industry directories: Many industries have membership directories that can be excellent sources for targeted mailing lists.

Remember to verify addresses whenever possible. Direct mail that never reaches its intended recipient is just wasted money.

Crafting Your Direct Mail Piece

Now for the fun part – designing the actual piece that will land in your prospect’s mailbox. The format you choose should align with your goals, budget, and message.

Choosing the Right Format

Direct mail comes in many formats, each with its own advantages:

Postcards: Simple, cost-effective, and impossible to ignore (no envelope to open). Postcards work well for straightforward messages and offers. They’re also the least expensive option in terms of both production and postage.

Letters: More personal and detailed. A well-crafted letter creates the feeling of one-to-one communication and allows space to fully explain your services and value proposition. For freelancers offering complex or high-value services, letters often perform exceptionally well.

Brochures or folded mailers: These provide more space for visual elements and detailed information about your services. They’re particularly effective when you need to showcase your work visually or explain a range of service offerings.

Dimensional mailers: These are packages that contain something beyond paper – perhaps a small branded item or a creative “leave-behind” related to your services. They have the highest open and response rates but are also the most expensive.

Handwritten notes: For high-value prospects or reconnecting with past clients, nothing beats the impact of a genuinely handwritten note. In our digital age, this level of personalization stands out dramatically.

The right format depends on your budget, your audience, and the complexity of your message. When in doubt, start simple – a well-written postcard or letter can be remarkably effective.

Designing for Impact

Whether you’re creating the design yourself or hiring a designer (recommended if your budget allows), keep these design principles in mind:

Clean and professional: Your direct mail piece is a reflection of your work. Keep the design clean, uncluttered, and professional. Avoid the temptation to fill every inch of space.

Brand consistency: Use the same visual elements (logo, colors, fonts) that appear on your website and other marketing materials. Consistency builds recognition and trust.

High-quality production: Invest in good paper stock and printing. A flimsy, poorly-printed mailer sends the wrong message about the quality of your work.

Strategic use of imagery: If you include images, make sure they’re relevant, high-quality, and properly represent your brand. For many freelance services, a professional headshot helps create a personal connection.

Clear hierarchy: Guide the reader’s eye through the piece with thoughtful use of size, color, and placement. What do you want them to see first, second, and third?

Writing Copy That Converts

Even the most beautiful design won’t generate clients if the copy doesn’t connect. Here’s how to write direct mail copy that drives response:

Lead with value, not biography: Your prospect’s first question isn’t “Who are you?” but “What can you do for me?” Start by addressing their challenges and the value you provide.

Focus on benefits, not features: Instead of listing your services or skills (features), explain how those skills translate into benefits for the client. How will their business improve by working with you?

Include social proof: Brief testimonials or client logos add credibility and reduce perceived risk.

Create a clear call to action: What specific next step do you want the recipient to take? Make it clear and easy to follow through.

Add a compelling P.S.: Research shows that the postscript is often the most-read part of a direct mail piece. Use it to reinforce your core message or add an additional incentive.

Executing Your Campaign

With your direct mail piece designed and your list prepared, it’s time to execute your campaign effectively.

Timing Your Mailings

The timing of your campaign can significantly impact its success:

Avoid holiday periods when your mail might get lost in the shuffle or when key decision-makers might be out of the office.

Consider industry cycles: When does your target industry typically plan projects or set budgets? Timing your outreach to align with these cycles can dramatically improve results.

For multi-touch campaigns (highly recommended), space your mailings about 2-3 weeks apart to create a steady presence without becoming annoying.

Mid-week delivery (Tuesday through Thursday) often works best, as Mondays can be hectic and mail received on Fridays might get set aside for the weekend.

Tracking and Measuring Results

Direct mail doesn’t have to be a shot in the dark. Use these methods to track your campaign’s performance:

Unique phone numbers or extensions that you only publish on your direct mail piece.

Dedicated landing pages with URLs that are only shared in your direct mail.

Special offer codes that recipients must mention to receive a particular benefit.

Simply asking “How did you hear about us?” when prospects reach out.

Track not just response rates but also conversion rates – how many responses actually turned into paying clients? This data will be invaluable for optimizing future campaigns.

Following Up Effectively

Direct mail should rarely stand alone. Plan your follow-up strategy before you send your first piece:

Follow up by email or phone about a week after your mail piece should have arrived. Reference the mailer specifically in your outreach.

Consider a multi-touch approach that includes direct mail, email, phone, and even social media connections over a period of several weeks.

Maintain detailed records of all contact attempts and responses to avoid duplicating efforts or missing opportunities.

Be persistent but respectful. It often takes multiple touch points before a prospect converts to a client.

Advanced Direct Mail Strategies for Freelancers

Once you’ve mastered the basics, consider these advanced strategies to take your direct mail efforts to the next level:

Personalization Beyond the Name

Today’s printing technology makes sophisticated personalization accessible even to freelancers with modest budgets:

Variable data printing allows you to customize multiple elements of your mailer for each recipient – from names and companies to specific service offerings that match their needs.

Reference specific details about the recipient’s business that you’ve researched. This demonstrates that you’ve done your homework and aren’t sending generic mass mailings.

Handwritten elements, even just a brief note or signature, dramatically increase perceived value and response rates.

Multi-Step Campaigns

Rather than sending a single piece and hoping for the best, consider planning a sequence of mailings:

The “Shock and Awe” package: For high-value prospects, send an impressive initial package that contains multiple items – perhaps a letter, brochure, case studies, and a small branded gift. Follow up with simpler mailings.

The “1-2-3” approach: Send three pieces over time, with each one building on the last and creating a cohesive story about the value you provide.

The “Lumpy Mail” technique: Include a small 3D object related to your services that ensures your envelope gets opened out of curiosity. I’ve seen freelancers use everything from custom stress balls to tiny toolkits with great success.

Integrating with Digital Touchpoints

Direct mail doesn’t exist in isolation from your other marketing efforts:

Use direct mail to drive traffic to digital assets like your portfolio, case studies, or a special landing page with additional information.

Include QR codes that make it easy for recipients to immediately connect with your digital presence.

Follow up direct mail with targeted LinkedIn connection requests or other social touchpoints that reference your mailing.

Consider using services like SolidGigs to complement your direct mail efforts. While your mailers work to attract specific targets, a service like SolidGigs can provide you with curated freelance opportunities that match your skills – creating a powerful two-pronged approach to client acquisition.

Common Direct Mail Mistakes to Avoid

Learn from the mistakes I’ve seen freelancers make with their direct mail campaigns:

Poor Targeting

Sending to a list that’s too broad or poorly defined is the fastest way to waste your direct mail budget. Take the time to build a high-quality, targeted list of prospects who genuinely need your services.

Weak Offers

Your direct mail needs to contain a compelling reason for the recipient to respond. Whether it’s a free consultation, a special report, or a limited-time discount, make sure your offer provides clear value.

Inconsistent Follow-Up

Many freelancers invest in creating and sending direct mail, then drop the ball on follow-up. Plan your follow-up strategy as carefully as you plan the initial mailing.

Poor Timing

Sending direct mail without considering the recipient’s business cycles or seasonal factors can significantly reduce effectiveness. Research your target industry to understand when they’re most likely to be receptive to your offer.

Examples of Self-Employed Professionals Using Direct Mail Successfully

Theory is great, but nothing beats real-world examples. Let’s look at how various self-employed professionals have used direct mail to grow their businesses, with strategies you can adapt for your own freelance practice.

Real Estate Agents and Direct Mail Marketing

Direct mail marketing for real estate agents has long been a cornerstone of their client acquisition strategy – and for good reason. The most successful agents I’ve spoken with use a consistent approach that freelancers can learn from:

Geographic targeting: Many top-performing real estate agents select specific neighborhoods (often called “farming areas”) and mail consistently to every home in that area. As a freelancer, you might similarly target all businesses in a specific industry niche or geographic location.

Value-first content: Rather than simply promoting themselves, successful agents provide genuinely useful information like market updates, home value reports, or local event calendars. One agent I interviewed sends quarterly “Home Value Updates” to her target neighborhood, which both demonstrates her expertise and provides actual value to recipients whether they’re selling or not.

Long-term consistency: Real estate agents understand that direct mail is a marathon, not a sprint. Many commit to mailing the same areas for at least 12 months before expecting significant results. This patience pays off – one agent reported that after 14 months of consistent mailings, her business from a specific neighborhood increased by 340%.

Multi-touch campaigns: The most successful direct mail marketing real estate campaigns combine regular mailings (like monthly postcards) with occasional “shock and awe” packages to past clients and hot prospects. This two-tiered approach maintains visibility while also making memorable impressions when timing is critical.

Freelance Photographers

Several photographers in our community have shared impressive results from targeted direct mail campaigns:

Seasonal campaigns: One portrait photographer sends beautiful folded cards to past clients before major spring and fall seasons, showcasing new portrait concepts and offering early booking discounts. His direct mail campaigns typically generate a 22% rebooking rate – far higher than his email campaigns to the same list.

Corporate targeting: A commercial photographer I worked with developed a “corporate headshot day” service and promoted it exclusively through direct mail to HR directors at mid-size companies. Her dimensional mailer included a small desk frame with a placeholder image and the tagline “Your team deserves better than LinkedIn selfies.” This campaign generated over $14,000 in bookings from just 50 mailers.

Portfolio showcase: Another photographer created oversized postcards featuring his best work for specific industries, with each industry receiving images relevant to their field. These targeted portfolio showcases achieved a 4.8% response rate – about 40 times higher than his previous email campaigns.

Graphic Designers

Graphic designers have a natural advantage with direct mail since they can showcase their skills through the very medium they’re using to market themselves:

Self-promotional pieces: One designer created a series of unusually-sized, die-cut mailers that demonstrated various print techniques (foil stamping, embossing, specialty papers). Each piece showcased what was possible while simultaneously proving her expertise. This “capabilities showcase” approach resulted in three major clients specifically requesting similar techniques for their projects.

Problem-solving samples: Another designer identified common design challenges in specific industries and created sample solutions that he mailed to prospects. For example, he redesigned a restaurant menu for better readability and sent both “before” and “after” versions to restaurant owners, along with an analysis of how the improvements could impact sales. This highly targeted approach generated a 12% response rate.

Direct mail workshops: A particularly innovative designer offered free workshops on “Direct Mail That Works” to marketing directors at local companies. She used her own direct mail piece to promote these workshops, creating a meta-marketing approach that both demonstrated her expertise and provided value to potential clients.

Freelance Copywriters

Several copywriters in our community have used direct mail to break through to clients who were ignoring their emails:

The “fixers” approach: One copywriter regularly reviews the marketing materials of companies he wants to work with, identifies specific weaknesses, and sends personalized letters with concrete suggestions for improvement. This “free sample” of his thinking frequently leads to conversations with marketing directors who recognize the value he’s already provided.

Industry specialization: Another copywriter focuses exclusively on the financial services industry. She created a small “Jargon Jar” (literally a glass jar filled with slips of paper containing financial jargon) that she mails to marketing directors at financial firms with a note challenging them to communicate more clearly. This memorable dimensional mailer has become her signature prospecting tool, with an impressive 8% conversation rate to paying clients.

The “we’re neighbors” approach: A local copywriter built his entire business by focusing on companies within a 15-mile radius of his office. His direct mail campaign emphasized the benefits of working with a local writer who understands the community. He reinforced this by hand-delivering his mailings whenever possible, turning a standard direct mail campaign into a powerful door-opener.

Conclusion: Is Direct Mail Right for Your Freelance Business?

Direct mail isn’t a perfect fit for every freelancer. It requires more upfront investment than some digital marketing channels, and it takes time to execute properly. But for freelancers who are willing to put in the effort, it can be a remarkably effective way to stand out in a crowded marketplace.

Consider testing direct mail if:

You’re targeting a specific, identifiable group of potential clients whose physical addresses you can obtain.

Your services command fees that justify the per-prospect cost of direct mail (typically $1-5 per piece for simple mailings).

You’re looking for a way to differentiate yourself from competitors who rely solely on digital outreach.

You’re willing to commit to a complete campaign, not just a one-off mailing.

Remember that direct mail is just one tool in your client acquisition toolbox. The most successful freelancers I know use a combination of approaches – perhaps direct mail for high-value targets, complemented by services like SolidGigs for a steady stream of potential opportunities, plus strategic networking and referral programs.

The key is to find the right mix for your specific freelance business, track your results carefully, and double down on what works for you.

Have you tried direct mail for your freelance business? I’d love to hear about your experiences – both successes and challenges – in our Facebook community where over 10,000 freelancers are sharing insights every day. Join us!

Keep the conversation going…

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March 11, 2025 0 comment
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Securing Your Digital Workspace While Working from Public Places

by admin March 11, 2025
written by admin


Are you a remote worker who’s constantly on the go like me? If so, then you’ve probably worked a lot in public places. Or maybe you’re tired of constantly working at home and you want to try something new.

With the rise of freelancing and digital nomadism, lots of people are working at public establishments for free Wi-Fi and sometimes even electric outlets.

However, many people are not fully aware of the risks—both digitally and physically—involved with working in public.

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So, to my fellow remote workers, here’s everything you need to know about keeping your digital workspace safe while working from public places.

The Risks of Working from Public Workspaces

But why, exactly, is working in public places risky? Tons of people do it every day with no issue, right?

Yes, that’s true. But tons of people also regularly lose their things or have their data breached on public Wi-Fi.

Unsecured Public Wi-Fi

The public Wi-Fi in these places is usually not as safe as your personal internet at home.

Why? Simply because you don’t own and control the network and because you’re sharing with 5, 10, or 100 other people. With some tinkering, Wi-Fi owners can easily see what other people are doing with their connection.

They can see what sites you’re visiting—or even see the things you’re typing (like your password or bank details). Even other users can, too, if they know some hacking.

In fact, studies show that around 43% of people have had their online data compromised on public Wi-Fi.

Malware and Cyber Attacks

Aside from stealing your data, being connected to public Wi-Fi networks also makes your device more susceptible to malware attacks.

For example, some cafes require you to log in through a portal to connect to the internet with their Wi-Fi. This can be one way for malware to get into your system.

Shoulder Surfing

Aside from digital threats, your data can be stolen through physical means as well.

Working in public places when it’s crowded can be risky simply because other people may be able to see what you’re doing on your phone or laptop. All it takes is a subtle glance!

Device Theft

And, of course, it’s not just your data that’s at risk—your very device can be stolen, too. While it may be rare, depending on where you live, there is still an increased risk compared to working in private.

Unintentional Data Exposure

Even when not intentional, data can still be lost accidentally. Sharing screens, having meetings in public—these can all lead you to accidentally spilling some sensitive info.

Don’t be like me and loudly blurt out your company’s budget during a Zoom meeting while being at a crowded Starbucks, okay?

How to Stay Safe While Working in Public: 10 Tips

So how do you keep safe with these risks in mind? Here are 10 things I personally do when I’m working outside.

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Not all of these tips will apply to every single remote worker in every single situation, but it’s good to keep them in mind!

1. Avoid Public Wi-Fi or Use Personal Hotspots

If possible, I often try to avoid using public Wi-Fi at all. Instead, I’ll use my personal hotspot for an internet connection.

This is especially true for cafes and airports, as these are where most people lose their data on public Wi-Fi. Why is this, you may ask?

It’s because places like cafes and restaurants are smaller businesses—which may invest less in their cybersecurity. Meanwhile, airports simply have tons of people in them, which means they can be a hotspot for hackers.

2. Use a Virtual Private Network (VPN)

Of course, I know using data roaming all the time isn’t cost-effective. So, if you must use public Wi-Fi, you need to use a VPN (virtual private network).

How does a VPN work? Without getting into the nitty-gritty of things, a VPN encrypts your internet connection by making it go through the VPN provider’s server before reaching the Wi-Fi connection.

So, instead of your device being directly connected to the public Wi-Fi, it connects to the VPN server first, which then “scrambles” your data, making it far more difficult to read once it hits the public Wi-Fi network.

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This provides you with another layer of security against hackers and other cybercriminals trying to poach your data. Whether you need a VPN for Mac or for Windows, VPNs are accessible and actually very easy to use.

3. Use Strong Passwords and Two-Factor Authentication (2FA)

But no matter what kind of network you’re connected to, your password is still your first line of defense.

I know this must be a no-brainer, but too many people still use short, simple, and easily guessed passwords to this day. The logic goes that since their password hasn’t been compromised before, then it never will.

I don’t need to explain why this is faulty logic, do I? There’s a first time for everything, folks! So, do yourself a favor and change those weak passwords into strong ones.

Additionally, make sure to enable two-factor authentication (2FA) on all your accounts that allow you to. So, even if your password does get stolen, your data stays safe.

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4. Use a Privacy Screen

Now, let’s move on to how to keep your devices safe, physically speaking.

As a shield against prying eyes, I always use a privacy screen. It’s a thin piece of film that you can attach to your laptop screen. It limits the viewing angle so only I can see what’s on my screen—someone sitting next to me will see nothing but a darkened display.

Some co-working spaces have private cubicles, and if you work at one of these places, then you probably don’t need a privacy screen. But if you’re usually at a coffee shop where people can simply glance over at your laptop, then I say it’s a worthwhile investment.

Besides, if you’re in the US, you can get one for less than $10!

5. Always Keep an Eye on Your Devices

It goes without saying, but never leave your devices and valuables unattended to avoid theft.

If you need to go to the restroom, take a call, stretch your legs, or get a coffee refill, keep an eye on your laptop. Better yet, bring it with you (especially if you’re going to the restroom) and leave something less important, like maybe a handkerchief, to save your seat.

Or at least ask someone nearby or one of the staff to keep an eye on them for you!

However, you should minimize how often you step away from your seat in the first place.

6. Lock Your Devices When Not in Use

But of course, it’s a tad unrealistic for you to never leave your laptop, especially if you work in public places for long hours. (Unless you resist the call of nature, which isn’t good for your health!)

So, just be sure to lock your devices whenever you’re away from them. People only need a few clicks to access your data. Set up automatic screen locks with short timers in case you forget, too.

And if your laptop features biometric authentication (like fingerprint or facial recognition), then use that as well.

7. Avoid Discussing Sensitive Information in Public

I don’t recommend joining virtual meetings or taking work calls in public places. Especially if the place is busy and you plan to discuss confidential matters.

Even if I try to speak in a low voice, there’s always a chance that someone overhears what I say.

Besides, it’s not only unsafe, it’s also rather rude. Don’t be that guy who partakes in a Zoom meeting on speakers!

If you really have to, use earphones with a good-quality mic. This allows you to speak as softly as possible and still be heard by your co-workers.

8. Regularly Update Software and Security Patches

Hackers often rely on exploiting gaps in the security code of operating systems and software. Before you head out to work at your favorite cafe, double-check if your operating system and all your programs are up-to-date.

These updates usually contain security patches to keep your software as protected as possible. If you haven’t yet, enable automatic updates so you don’t have to worry about this as much.

9. Be Cautious with USB Devices

I personally refuse to plug unfamiliar USB devices into my laptop. In the same vein, I’ll never plug my devices in directly via USB ports to charge them (as some cafes may offer). I only charge straight from the outlet with a charging brick.

This is because malware and other malicious programs can be carried over through USB connections. Additionally, I also disable any automatic USB autorun features on my laptop. This prevents any malicious software from executing automatically if ever I need to plug in an unfamilair USB stick.

10. Monitor Your Account Activity

The thing is that you may not even be aware that you were breached while you were out working in public: Sometimes, you’ll only realize after.

So, once you get home from working at a public place, run through the activity history of all your important accounts. Check for unauthorized logins or any suspicious activity.

If you find some, change your passwords immediately. Or report your account to the platform to lock it temporarily!

Conclusion: It’s Not Unsafe As Long as You Take Precautions

Truth be told, however, public Wi-Fi networks aren’t as unsafe as they once were. But this doesn’t mean that you can slack off with your digital security!

After all, technology is rapidly evolving. One day, new, unprecedented cyberattack methods may come up and affect you unwittingly.

So stay vigilant and take the necessary precautions before you head out to your favorite work cafe. Remember: it’s always better to be safe than sorry!

For more security tips for remote workers and freelancers, check out this article.

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March 11, 2025 0 comment
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Managing Anxiety as Your Own Boss

by admin March 7, 2025
written by admin


Freelancing offers the dream of freedom, flexibility, and independence. Who wouldn’t want to be their own boss, set their hours, choose their clients, and work from anywhere—whether it’s at home, in a cozy café, or on a beach somewhere? 

When I first started freelancing, the liberty to pick my projects, work on my terms, and control my schedule was everything I had dreamed of.

But here’s the truth: with all that freedom comes a unique set of challenges.

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As I settled into the freelancer life, I quickly realized that managing anxiety was just as crucial as managing my workload. It’s not all sunshine and rainbows. 

Sure, freelancing offers flexibility, but it also brings unpredictability—particularly in terms of finances, deadlines, and client expectations. Learning how to navigate these obstacles is key to sustaining a successful freelancing career.

In this article, I’ll take you through the ups and downs of freelancing—what I’ve learned about managing unpredictability, handling stress, and finding a healthy balance. Whether you’re just starting or have been freelancing for a while, these insights and strategies will help you create a sustainable, anxiety-free freelancing career.

Understanding the Unique Challenges of Freelancing

Freelancing is often hailed as the ultimate dream job, but when I tried it for myself, I quickly realized that it came with a series of challenges that weren’t immediately apparent.

Sure, I get to choose the projects I work on, but I also have to find those projects. It’s not like a traditional job where work is handed to me. 

As a freelancer, I’m constantly marketing myself, hunting for clients, managing invoicing, handling contracts, and juggling deadlines. It’s two full-time jobs wrapped into one. And let’s not forget about the responsibility of managing my own taxes and accounting—tasks that bring their own stressors.

The unpredictability of income is one of the toughest aspects of freelancing. Some months are fantastic, with more work than I know what to do with. But others leave me wondering where the next paycheck will come from. 

Without a regular paycheck, it can feel like I’m always on edge, waiting for the next project or client to come through. This instability can be a constant source of anxiety.

What’s more? Juggling multiple clients, each with their own set of timelines and expectations, means I’m always managing a series of moving parts. There’s constant pressure to overperform, overdeliver, and stay ahead of deadlines. 

While this can drive productivity, it also creates an environment ripe for burnout.

Working solo can also be quite isolating. And without the structure of an office environment, there’s no “off” button at the end of the day. I don’t have the luxury of leaving work at the office, and it’s hard to shut my brain off. 

This pressure and unpredictability can take a toll on anyone’s mental health. Couple that with financial uncertainty and the constant drive to find new clients, and it can contribute to mounting anxiety.

Mental Wellness: A Freelancing Superpower

In light of these challenges, I’ve learned that mental wellness is one of the most important things to prioritize if I want to keep freelancing long-term.

Stress, anxiety, and burnout are not inevitable parts of freelancing; they’re challenges that can be managed with the right tools, strategies, and mindset. 

I’ve come to view mental wellness as a strategic advantage in my freelancing career—something that not only helps me thrive in the face of adversity but also enhances my productivity, creativity, and overall well-being.

Prioritize Self-Care to Reduce Anxiety

In the fast-paced world of freelancing, it’s easy to forget about the human side of the equation. But I’ve learned that by nurturing my mental and physical health, I can better serve my clients, meet deadlines with clarity, and be more effective in my work. 

Here are some of the top strategies I’ve found that help reduce anxiety, manage stress, and keep me grounded.

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Mindfulness Practices: A Key to Clarity and Focus

One of the most impactful discoveries I made in managing anxiety was the power of mindfulness. It’s not just for meditation retreats—it’s a simple yet transformative tool anyone can weave into their daily life. Even just 10 minutes a day of mindfulness has helped me clear my mind, reduce stress, and regain control over my thoughts and emotions.

There are many apps available that offer guided meditations, breathing exercises, and mindfulness sessions that are easy to incorporate into my routine. It’s made all the difference in calming my mind and finding moments of peace amidst the chaos.

I also try to squeeze in a yoga session at least a couple of times a week. Yoga has been instrumental in connecting my body and mind, releasing tension, and creating space for calm. The physical movement combined with mindfulness makes a huge difference in how I manage stress. While yoga is my go-to mindfulness workout, you can take advantage of whatever physical activity works best for you!

Ending the day with gratitude journaling has become another powerful practice. Reflecting on what I’m thankful for allows me to shift my focus from what’s left to do to what I’ve already accomplished, leaving me with a sense of fulfillment and peace. This habit has been a surprising outlet in reducing my anxiety and helping me close each day on a positive note.

Physical Well-Being: Caring for the Body to Protect the Mind

Stress doesn’t just sit in the mind—it manifests physically too. From fatigue to tension headaches, back pain, and restless sleep, stress affects the body in many ways. One of the most important lessons I’ve learned as a freelancer is that physical wellness is just as important as mental wellness. 

Taking care of your body is essential for maintaining focus, clarity, and overall well-being. Whether it’s a brisk walk, a session of yoga, or hitting the gym, physical activity is one of the best ways to release built-up tension from a long day of work. Exercise also promotes better sleep, which in turn helps reduce anxiety and stress. 

And guess what? Regular movement doesn’t just improve physical health—it supports mental health too.

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Beyond general discomfort, I’ve also come to understand how stress-related pain works. When I experience tension headaches or back pain after long hours at my desk, I remind myself of the pain gate theory—the idea that the brain processes pain signals differently depending on various factors like stress, focus, and movement. 

Engaging in activities such as exercise, stretching, or even mindfulness techniques can “close the gate” on pain signals, reducing discomfort and improving overall well-being.

Sleep is another essential component of maintaining mental wellness. Skimping on sleep can lead to burnout, poor decision-making, and even physical illness. A solid night’s rest is essential for recharging my body and mind, and I now prioritize sleep above all else. 

The same goes for nutrition: when I eat well, I feel more energized and better able to manage the stress of freelancing.

Physical self-care is just as important as mental care, and I’ve learned not to neglect it. By prioritizing movement, rest, and proper nutrition, I’ve created a strong foundation that allows me to show up fully—both in my work and in life.

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Create a Structured Work Environment to Reduce Freelance Chaos

One of the biggest advantages of freelancing is the ability to create your own schedule. But I quickly learned that too much flexibility can lead to chaos.

In the beginning, I didn’t set firm working hours, and this lack of structure often left me working late into the night or on weekends just to stay caught up. While the idea of working whenever I wanted was appealing, I found that a lack of boundaries made it difficult to switch off and recharge.

I’ve since learned the importance of establishing a manageable, realistic schedule. I try to set working hours that align with my natural energy levels and personal life and stick to them as much as possible. 

Time Management Techniques: Staying Organized While Juggling Projects

Freelancers often juggle multiple projects at once, and managing time effectively is crucial to avoiding stress. One technique I’ve found to be incredibly helpful is time blocking. 

By breaking my day into chunks of focused work, I can stay productive and reduce the overwhelming feeling that comes with trying to do everything at once.

In addition to time-blocking, I use productivity apps to keep track of tasks, deadlines, and client projects. Apps allow me to visualize my workload and ensure that I don’t overcommit. 

Setting realistic deadlines for myself is key. There’s only so much I can do in a day, and by setting achievable goals, I can avoid the stress of feeling like I’m falling behind.

Setting Boundaries: Learning to Say No

One of the hardest lessons I’ve learned in freelancing is the importance of setting boundaries. It’s tempting to say “yes” to every project that comes my way, especially when I’m worried about finding new clients or meeting my income goals. However, I’ve realized that saying “no” is just as important as saying “yes.”

I’ve learned to be clear with my clients about my availability, project timelines, and expectations. Setting clear boundaries helps protect my time and ensures that I don’t take on more work than I can handle. 

Respecting my own limits allows me to maintain a better work-life balance and avoid burnout.

Build a Reliable Support System

Freelancing can sometimes feel isolating, but you don’t have to navigate it alone. Joining communities of other freelancers—whether through online forums, coworking spaces, or networking events—has been invaluable. 

These connections provide more than just business advice; they offer a sense of camaraderie and understanding that makes the journey feel less daunting. When challenges arise, having a support system of like-minded professionals helps me gain perspective, share resources, and stay motivated.

Balancing Personal Connections

While professional networks are essential, maintaining personal relationships is just as important for your mental well-being. I make a conscious effort to spend quality time with friends and family, ensuring that my work-life balance doesn’t tip too far in one direction. 

I’ve also found that seeking professional help, like therapy, has been instrumental in managing anxiety and staying emotionally grounded. Having a strong support system—both personally and professionally—ensures that I don’t carry the weight of freelancing alone, allowing me to thrive in both work and life.

Automate as Much as Possible with Apps and Useful Software

One of the most effective ways I’ve reduced my mental load is by automating repetitive tasks. From CRM platforms to invoicing software and content planners, these tools have been game-changers in saving time and minimizing stress. 

Instead of manually tracking everything, automation allows me to focus on high-impact work while ensuring that administrative tasks run smoothly in the background. Additionally, apps that integrate and analyze data have streamlined my business operations, helping me make informed decisions with minimal effort. 

It’s incredible how much brain space and energy I’ve freed up simply by letting technology handle the heavy lifting.

Long-Term Strategies for Sustainable Mental Wellness

Embrace Continuous Learning

One of the best ways I manage anxiety and maintain confidence in my freelance career is by committing to lifelong learning. The freelance market is constantly evolving, and staying informed allows me to adapt to industry shifts with ease. Expanding my skill set not only helps me stay competitive but also reassures me that I’m prepared for whatever comes next.

Whether it’s enrolling in an online course, attending industry webinars, or simply keeping up with the latest trends through books and articles, continuous learning fuels both my professional and personal growth. It encourages a mindset of curiosity and adaptability, helping me view challenges as opportunities rather than roadblocks. 

By embracing education as an ongoing journey, I cultivate resilience, enhance my expertise, and ensure that I remain a valuable asset in my field.

Cultivate Resilience and Adaptability

Freelancing is filled with highs and lows, and setbacks are an unavoidable part of the journey. Instead of viewing challenges as failures, I try to see them as lessons that help me grow. 

Resilience isn’t something I was born with; it’s a skill I’ve actively developed by reframing negative experiences, practicing self-compassion, and reminding myself that no situation is permanent. 

The ability to adapt quickly to changing circumstances—whether it’s a dry spell in work or an unexpected client shift—has allowed me to navigate uncertainty with confidence and keep moving forward.

Establish Consistent Routines

Routines provide structure in a career that often lacks it. Having a set morning ritual, dedicated work hours, and regular self-care practices has helped me create stability amid freelancing’s unpredictability. 

I resonate deeply with Eric Edmeades’ idea that: “The more systems you have, the more likely it is that you are living a life that is more in alignment with yourself. Wherever you don’t have a system, you have a discomfort. You tend to have more challenges. You tend to have more conflicts because we don’t know what’s going to happen next.” This philosophy has encouraged me to create intentional systems in all areas of life to support mental health and reduce stress.

By designing structured approaches for both my personal and professional life—such as batching tasks, setting defined workspaces, and scheduling time for rest—I’ve reduced decision fatigue, improved productivity, and found a greater sense of balance. Whether it’s a structured approach to work, a consistent exercise routine, or a bedtime ritual, these systems minimize stress and allow me to focus my energy where it matters most.

Viewing Mental Wellness as a Freelancing Superpower

Freelancing is a beautiful thing, but it comes with its challenges. By prioritizing mental wellness and implementing strategies to reduce stress and manage anxiety, I’ve been able to make freelancing work for me. 

Mental well-being isn’t just a bonus—it’s an essential component of freelancing success. When I’m at my best mentally, I can take on any project, manage any client, and overcome any hurdle.

So, if you’re ready to take control of your freelancing career and reduce anxiety, start with the strategies I’ve shared. Take care of yourself, and the rest will follow. The freedom that comes with freelancing is truly amazing—but only if you’re in the right mental space to enjoy it.

Ready to start managing your freelancing anxiety and building a successful career? Try implementing these strategies today and experience the benefits of a balanced, anxiety-free freelance journey!

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March 7, 2025 0 comment
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10 Most Freelancer-Friendly Cities in 2025

by admin March 6, 2025
written by admin


Freelancing gives you control over your work, but your city affects your success. The right place offers fast internet, low expenses, and strong networks.

Some locations encourage independent workers through business-friendly policies. Others create an inspiring environment. If you want progress, don’t wait for success to find you. Instead, grow your freelance business by relocating to a city that supports your goals.

This list explores freelancer-friendly cities with thriving coworking spaces, affordable housing, and strong professional networks.

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What Are The Best Freelancer-Friendly Cities Worth Relocating To in 2025?

As freelancing becomes more popular, more people are seeing the benefits that it brings. As professionals who can move whenever and wherever they want to, they are looking for affordability, community, and beautiful views, which are offered by:

  • Lisbon, Portugal
  • Austin, USA
  • Dubai, UAE: A Global Business Hub
  • Tallinn, Estonia
  • Chiang Mai, Thailand
  • Berlin, Germany
  • Medellín, Colombia
  • Barcelona, Spain
  • Ho Chi Minh City, Vietnam
  • Melbourne, Australia

Lisbon, Portugal

Lisbon ranks among Europe’s most affordable capitals, with living costs 32% lower than Paris and 45% cheaper than London. A one-bedroom apartment in the city center averages €1,200 per month, while it drops to €800 outside the center. Utilities, transport, and food remain budget-friendly, allowing freelancers to spend less while growing their businesses.

The city enjoys over 2,800 hours of sunshine annually, creating a bright and energizing environment. Freelancers benefit from 200+ coworking spaces, including Second Home and Impact Hub, both offering high-speed fiber-optic internet and daily networking events. Lisbon also provides the Tech Visa Program, which fast-tracks residency for highly skilled professionals. With 8,000+ startups, the city fosters innovation, making it an ideal base for remote work.

Austin, USA

Austin offers no state income tax, saving freelancers thousands annually. In 2023, the city’s cost of living was 3% lower than the national average, making it an affordable choice for remote workers. The Silicon Hills nickname reflects its over 8,000 tech firms, including Apple, Tesla, and Dell, which create demand for independent professionals.

Coworking spaces thrive, with Capital Factory housing over 150 startups and Industrious providing 24/7 access in multiple locations. The city ranks No. 1 in the U.S. for job growth, ensuring steady freelance opportunities. Tech and creative professionals gather at SXSW, one of the largest global networking events. Austin’s $1.5 trillion economy offers limitless potential for those aiming to expand their client base.

Dubai, UAE

Dubai supports freelancers with concrete benefits. The Freelancer Visa allows self-employed professionals to work legally without a corporate sponsor. The Dubai Internet City Free Zone alone houses over 1,600 tech and media companies, making it a prime location for independent workers. With zero personal income tax, high earners keep 100% of their earnings, a major advantage over cities with high tax rates.

Internet speeds in Dubai rank among the best globally, with an average fixed broadband speed of 210 Mbps, ensuring smooth video calls and seamless remote work. Coworking spaces like Astrolabs, Nest Dubai, and Our Space provide flexible office setups. Entrepreneurs connect at GITEX Technology Week and Step Conference, major networking events. The top areas for young adults include Downtown Dubai, Business Bay, Palm Jumeirah, Jumeirah Lakes Towers, and Al Barsha, where freelancers access modern apartments, trendy cafes, and shared office spaces that encourage collaboration.

Tallinn, Estonia

Tallinn is a global leader in digital services, with 99% of government services available online. The e-Residency program, launched in 2014, has attracted over 100,000 digital entrepreneurs from more than 175 countries, allowing freelancers to establish EU-based businesses without residing in Estonia.

The city’s internet speeds rank among the top 20 globally, ensuring smooth remote work. Rent for a one-bedroom apartment in the city center costs around €700 per month, significantly lower than in cities like Berlin or Amsterdam. Coworking hubs like Lift99 and Spring Hub cater to tech professionals, offering high-speed internet and networking events. Tallinn’s low corporate tax structure (0% on retained profits) makes it an attractive base for freelancers seeking an affordable, business-friendly environment.

Chiang Mai, Thailand

Freelancers seeking a low-cost yet well-equipped work environment often relocate to Chiang Mai. The city’s cost of living averages $800 to $1,200 per month, covering rent, food, and transportation. Apartments in Nimmanhaemin, a hotspot for digital workers, range from $300 to $600 monthly, significantly lower than in Western countries.

Internet speeds in Chiang Mai reach up to 1 Gbps, making it easy for remote professionals to manage video calls and large file transfers. The city supports freelancers with over 20 coworking spaces, including Punspace, Hub 53, and CAMP. These spaces provide high-speed Wi-Fi, office essentials, and networking events that connect freelancers to potential clients and collaborators.

Chiang Mai’s Digital Nomad Visa, launched in 2022, allows remote workers to stay long-term with a one-year permit, extendable up to four years. The city also hosts annual entrepreneur meetups, such as the Nomad Summit, where professionals refine freelance marketing strategies and gain insights from industry leaders.

Berlin, Germany

Berlin attracts independent professionals with business tax rates as low as 15% and a Freiberufler (freelancer) visa, which allows non-EU citizens to work legally. The average monthly rent for a one-bedroom apartment in Berlin sits at €1,200, significantly lower than in cities like Paris or London. Affordable office spaces also help freelancers manage expenses while building their careers.

Coworking hubs such as Betahaus, which offers memberships starting at €99 per month, and Factory Berlin, a major innovation campus, provide ideal spots for networking. Berlin’s tech industry grew by 28% in the last five years, attracting startups that hire freelancers. Events like Tech Open Air Berlin and Coworking Festival Berlin create direct pathways for freelancers to meet potential clients.

Medellín, Colombia

Medellín ranks among the most affordable cities for freelancers, with monthly living expenses averaging $1,200 for a comfortable lifestyle, including rent. The city boasts internet speeds of 100 Mbps and higher, making remote work seamless. Public transport, anchored by the Metro de Medellín, costs just $0.70 per ride, providing efficient and budget-friendly commuting.

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Coworking hubs such as Selina ($120/month) and La Casa Red ($90/month) offer high-speed internet, meeting rooms, and networking events tailored for freelancers. Medellín stands out as one of the best freelancer-friendly cities thanks to Colombia’s visa options, such as the Migrant (M) Visa, which allows remote workers to live in the country legally for up to three years.

Barcelona, Spain

Barcelona offers 240+ coworking spaces, including MOB Barcelona and Aticco, making it one of Europe’s top destinations for independent professionals. The city provides fiber-optic internet with speeds up to 1Gbps, ensuring seamless remote work.

Spain supports freelancers through the “Autónomo” system, allowing self-employed professionals to register for €80 per month during the first year before progressive increases. In 2023, over 3.2 million freelancers operated in Spain, with Barcelona as a major digital professional hub.

The city’s 22@ Innovation District houses 1,500+ tech companies, drawing startups that hire contract workers frequently. With 300+ sunny days per year and affordable co-living spaces like Urban Campus, Barcelona blends career growth with a high quality of life.

Ho Chi Minh City, Vietnam

Ho Chi Minh City attracts freelancers with an average cost of living of $1,000–$1,500 per month, significantly lower than most Western cities. Renting a one-bedroom apartment in the city center costs around $500–$700, freeing up income for business investments. The city ranks among Southeast Asia’s top five fastest-growing digital economies, with a 28% annual increase in tech startups.

Freelancers benefit from high-speed internet, averaging 85 Mbps for just $12 per month. Coworking spaces like Dreamplex and The Hive offer desks starting at $100 monthly, providing fast Wi-Fi, networking events, and business support.

Melbourne, Australia

Melbourne ranks among Australia’s top cities for freelancers, with over 2,000 startups and a tech industry worth over AUD 34 billion. The Victorian government supports independent professionals through the LaunchVic initiative, which provides funding for co-working spaces and accelerator programs. Freelancers benefit from a 25% tax deduction on work-related expenses, making self-employment more sustainable.

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Public transport covers 250+ bus routes, 16 train lines, and 24 tram routes, ensuring reliable city-wide access. The median rent for a one-bedroom apartment in the city center sits at around AUD 2,200 per month. On the other hand, suburban areas offer lower-cost options. Melbourne’s two-million-strong workforce connects freelancers to a diverse client base, and industry hubs like Carlton and Southbank host networking events regularly.

Which One Of These Freelancer-Friendly Cities Will You Choose?

Freelancers succeed in cities that offer opportunities, resources, and communities. The best freelancer-friendly cities give professionals access to coworking spaces, reliable internet, and networking events. If you want to get freelance clients, pick a place where businesses hire independent professionals often. Freelancing thrives in locations where support systems exist. Choose wisely, and make your next city work for you.

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March 6, 2025 0 comment
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13 Financial Benefits of Starting an LLC as a Freelancer

by admin March 6, 2025
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As a freelancer, managing your finances while juggling multiple clients can feel overwhelming.

But what if there was a way to protect your personal assets, save on taxes, and make your business look more professional?

That’s where forming an LLC (Limited Liability Company) may help.

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Let’s take a closer look at the top financial benefits of starting an LLC tailored specifically for freelancers like us.

What are some of the top financial benefits of starting an LLC as a freelancer?

Starting an LLC as a freelancer can help protect your assets and optimize your tax savings. Below, I’ll go over why I love having an LLC and how this decision may benefit your freelance business.

1. Limited liability protection

One of the biggest reasons freelancers choose to set up LLCs is for asset protection planning purposes.

If a client ever sues you, your personal assets would typically remain safe under an LLC. Without this protection, your personal finances could be at risk.

This distinction between your personal and business liabilities offers peace of mind as you grow your business.

2. Potential tax savings

Another financial benefit is the flexibility in tax treatment. As an LLC, you can choose how you want to be taxed. You can be a sole proprietor, partnership, S-corporation, or even C-corporation.

If you opt to be taxed as an S-corporation to reduce your self-employment taxes, you can pay yourself a fair salary and take the rest of your profits as distributions. These distributions are not taxed as self-employment taxes.

If lowering your tax burden is a priority, this might be the best route for you.

3. Business expense deductions

Forming an LLC makes tracking business expenses much simpler.

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Since I did, I can write off various expenses like travel, equipment, and even my home office. These deductions lower my taxable income, which means I keep more of what I earn.

For example, I needed a new laptop last year and attended two industry conferences. Everything was deductible, from the plane tickets and hotel to my meals and conference merch.

My taxes were simpler, and I had a nice big write-off and leveled up my professional skills. I wish I’d done it sooner!

4. Credibility and potential client trust

Clients tend to take freelancers more seriously when they operate under an LLC. It gives your business a level of legitimacy that a sole proprietorship lacks.

Higher-paying clients may be more willing to work with you because they see your business as established and professional. This was certainly the case for me. This credibility can give you an edge over other freelancers who don’t have a formal business structure.

5. Flexibility in profit distribution

An LLC also provides flexibility in how you distribute profits. When you first start out, you might want the option to decide how much you’d like to allocate to yourself and how much to reinvest in the business.

This flexibility can be beneficial if you plan to bring on partners in the future or just want more control over your finances.

6. Easier access to funding and credit

You may find it easier how to get a business credit card and other lending products when you

establish an LLC. This is super helpful for separating your personal and business expenses, which:

  • Could lead to better loan terms in the future.
  • Helps you build business credit.
  • Makes bookkeeping easier.

One of my favorite things about business credits? Access to perks like cash back or travel rewards. These add up fast and can help you cut down on expenses if you travel often.

7. Retirement plan contributions

As an LLC owner, you may be able to set up a Solo 401(k) so you can contribute to your retirement savings. This is another significant financial benefit for freelancers.

Unlike W-2 employees, you can contribute both as the employer and the employee. This increases your annual contribution limit. It’s a great way to reduce taxable income while saving for the future.

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8. Pass-through taxation

Many freelancers worry about double taxation, but with an LLC, you can put that worry to rest. The profits of an LLC pass through to your personal income tax return, meaning you won’t pay federal taxes at the business level.

This prevents you from facing corporate taxation, allowing you to retain more of your profits. It also simplifies things and makes it more straightforward to manage your income and tax liabilities. Believe me, when it comes to business taxes, simpler is always better.

9. Qualified business income (QBI) deduction

One of the unique tax benefits of operating as an LLC is the Qualified Business Income (QBI) deduction.

Eligible freelancers can deduct up to 20% of their qualified business income.

It’s a huge tax saver that W-2 employees don’t have access to. This helps you keep more of your income and reinvest in growing your business.

10. Health insurance deductions

When I launched my LLC, I discovered I could deduct health insurance premiums, which was a big help. US-based freelancers often face high healthcare costs — but if you meet specific criteria, you can deduct those premiums from your taxable income.

This is a great way to lower your overall tax bill while covering an essential expense.

11. Flexible profit-sharing options

Another financial advantage of forming an LLC is the flexibility in how you split profits.

This is especially helpful if you have partners or plan to take on investors. You can allocate profits based on contributions or workload (which is often better than a strict ownership percentage). This flexibility can change everything when you’re managing financial relationships.

12. Asset depreciation

If your freelance business requires expensive equipment like computers or software, you can depreciate those assets over time.

This is a tax-saving strategy many freelancers use to lower their taxable income. Asset depreciation lets you pay for big-ticket items over several years. This can improve your cash flow and reduce your tax liabilities each year.

13. Flexible fringe benefits

Finally, an LLC can offer flexible fringe benefits like disability insurance or educational assistance. These are tax-free for employees (including yourself, if applicable).

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They reduce your taxable income and let you enjoy perks that individual freelancers can’t typically access.

It’s just another example of how forming an LLC can help maximize your financial opportunities.

How to know if an LLC is right for you

Deciding whether an LLC is the best structure for your freelance business depends on a few key factors.

Here are some questions to consider when making that decision:

  • Do you want personal liability protection? If protecting your personal assets is essential to you, forming an LLC may be a smart choice.
  • Are you planning to grow or take on partners? If your business is growing or you’re thinking of bringing on partners, an LLC offers flexibility that a sole proprietorship doesn’t. You can easily add partners or investors without having to restructure your business.
  • Do you want flexibility in taxation? An LLC gives you more options for how you’re taxed. You can choose to be taxed as a sole proprietor or elect to be treated as an S-corporation or C-corporation — depending on what benefits your business the most.
  • Are you looking for more credibility? Operating as an LLC can make your freelance business look more legitimate to potential clients. It’s especially helpful if you’re trying to attract higher-paying clients.

More things to keep in mind as a new freelancer

As you start your new freelance journey, consider the following factors to help streamline your path to success.

Using loans to fund your new freelancing business

Understanding how to manage your startup costs is pivotal to starting your new business strong.

If you’re considering personal loans to help handle these costs, budget carefully.

Personal loans can provide quick access to funds, which can be beneficial when cash flow is tight. But it’s important to understand your monthly payments and overall costs to make sure it’s right for you.

I like to use a personal loan calculator to check how different loan amounts and interest rates could affect my budget. It shows me possible monthly payments and total costs so I can easily decide if a personal loan fits into my budget.

Using formation services to set up your LLC

If you’re considering forming an LLC, I recommend using Tailor Brands—it’s the best LLC formation service I’ve encountered so far.

The team guides you through the entire setup process and helps make sure all paperwork is correctly filed.

When you’re busy trying to get your freelance business off the ground, having a registered agent to minimize the stress makes a world of difference.

Networking to fast-track freelancing success

Finally, building a professional network can significantly impact your freelance success. I can’t tell you how many opportunities I’ve gotten access to because I spent time building relationships!

Waseem Jaban, CEO of Delta Remedys, also emphasizes the importance of connections:

“My partner and I come from an engineering background, and so do many of our peers, where fellow engineers and our mentors happen to be professors in universities. In business, like many other things in life, it is about who you know. Building a network of people that both parties can benefit from when a job needs to be done is vital.”

Wrap up

An LLC can offer significant advantages, but it’s not the right choice for everyone.

If you prioritize simplicity, low upfront and ongoing costs, and have a small or low-risk business, a sole proprietorship or another business structure might be a better fit.

Similarly, if you plan to scale by raising capital from large investors, a C-corporation could be a more strategic option. The key is balancing your liability protection needs, tax flexibility, growth potential, and simplicity when deciding on the best business structure.

That’s why I highly recommend using a registered agent or meeting with an advisor for support. They’ll help you decide which option is best for your business based on your specific goals.

PS: Craving more helpful resources for freelancers? Millo is jam-packed with useful guides, tutorials, and courses. Learn more about how it works now.

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March 6, 2025 0 comment
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Power of Visual Presentations in Freelance Pitches

by admin March 5, 2025
written by admin


In the freelance world, winning clients is all about making the right first impression. While your skills and experience matter, how you present your services can be the deciding factor in securing a project. A visual presentation pitch deck helps you communicate your value proposition effectively, leaving a lasting impression on potential clients.

This blog explores how freelancers can leverage visual presentations to elevate their pitches and increase their chances of winning clients.

Why Visual Presentations Matter in Freelance Pitches

Freelancers often rely on emails or written proposals to pitch their services. However, plain text proposals can feel uninspiring and fail to engage the client. Visual presentations, on the other hand:

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  • Make information easier to digest.
  • Create a professional and polished impression.
  • Help convey complex ideas through visuals like charts, icons, and infographics.
  • Increase client engagement by adding a creative touch.
  • Build emotional connections through storytelling.
  • Highlight key differentiators in a more memorable way.

A well-designed pitch deck can help you stand out from the competition and build trust with potential clients.

How Visual Storytelling Boosts Engagement

Visual storytelling helps convey messages in a more impactful and relatable way. Instead of overwhelming clients with technical jargon or long paragraphs, visuals break down information into digestible content. This approach keeps the audience engaged and makes your message clearer.

For example, presenting a problem-solution scenario through a flowchart or infographic can make your pitch more compelling. Combining visuals with a brief narrative helps clients visualize the value you bring to the table.

Using PowerPoint templates can simplify the design process, allowing freelancers to focus more on storytelling rather than formatting.

Key Slides Every Freelance Pitch Deck Should Include

A persuasive pitch deck is both informative and visually appealing. Here’s what to include:

1. Cover Slide

Start with a clean, attention-grabbing cover slide featuring your name, logo (if applicable), and the client’s name.

2. Introduction

Introduce yourself and your area of expertise. Highlight your unique value proposition in one or two sentences.

3. Problem Statement

Outline the client’s pain points. Show that you understand their business needs and challenges.

4. Proposed Solution

Describe how your services will solve the client’s problems. Use visuals like icons and flowcharts to simplify your explanation.

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5. Portfolio Showcase

Present 3-5 of your best projects with high-quality images or screenshots. Briefly describe each project’s outcome and impact.

6. Process Overview

Provide a step-by-step breakdown of how you will approach the project. Use timelines, flow diagrams, or numbered lists to illustrate your workflow.

7. Pricing & Packages

Clearly outline your pricing structure with tiered packages. Use tables or icons to make your pricing visually appealing.

8. Testimonials

Include 1-2 client testimonials to build trust and credibility.

9. Call to Action

End with a compelling call to action. Invite the client to book a consultation or get in touch.

Design Tips for Persuasive Pitch Decks

  • Keep slides clean and uncluttered.
  • Use consistent fonts, colors, and layouts.
  • Incorporate visuals like icons, infographics, and charts.
  • Highlight key points using bold text and bullet points.
  • Use subtle animations to guide the audience through the content.
  • Maintain a balance between visuals and text to avoid overwhelming the reader.

Tools to Create Stunning Freelance Pitch Decks

Freelancers can save time and effort by using Google Slides template. Pre-designed layouts allow quick customization to align with your personal brand and project requirements. These templates help maintain a consistent look across presentations while speeding up the design process.

Conclusion

Visual presentations can transform the way freelancers pitch their services, making proposals more engaging and persuasive. By structuring your pitch deck with the right elements and using professional templates, you can create proposals that captivate clients and win more projects.

With the right design approach, freelancers can craft pitch decks that not only look stunning but also deliver results. Start creating compelling proposals today and elevate your freelance business.

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March 5, 2025 0 comment
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How AI and Crypto Are Powering the Next-Gen Freelancer

by admin March 3, 2025
written by admin


The world of freelancing is changing fast. If you’re a freelancer or thinking about becoming one, you’ve probably noticed a shift. Clients and job opportunities are becoming more global, payments are evolving, and technology is playing a bigger role in how work gets done. 

One of the biggest game-changers? The rise of AI-powered contracts and payments in crypto. These innovations are reshaping the way freelancers work, get paid, and build their careers.

Crypto price fluctuations like ai16z price often make headlines, but beyond the speculation, blockchain technology is creating real opportunities for freelancers. AI and crypto are solving major problems in the freelance industry, from delayed payments to trust issues between clients and workers. 

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Let’s dive into how these two technologies are creating a new, more decentralized freelance economy.

The Challenges of Traditional Freelancing

Freelancing offers flexibility and freedom, but it comes with challenges:

  • Delayed Payments: Many freelancers wait weeks or even months to get paid for their work.
  • High Fees: Platforms like Upwork and Fiverr take significant cuts from freelancer earnings.
  • Trust Issues: Clients sometimes fail to pay, and freelancers occasionally fail to deliver quality work.
  • Limited Global Access: Banking restrictions and currency conversion fees make it hard for freelancers in some countries to access jobs and payments.

AI and blockchain technology are stepping in to solve these problems, making freelancing more accessible, efficient, and fair.

How AI-Powered Contracts Are Changing the Game

One of the biggest innovations is AI-powered smart contracts. These contracts are built on blockchain and automatically execute tasks when conditions are met. Here’s how they help freelancers:

1. Instant Payments

Traditional payments rely on banks and payment processors, which can cause delays. AI-powered contracts release payments instantly once work is completed and approved. No more waiting for weeks to get paid!

2. No Middlemen, Lower Fees

Freelance platforms take large commissions, sometimes up to 20%. Smart contracts remove intermediaries, allowing freelancers to keep more of their earnings.

3. Trust and Security

Because smart contracts are recorded on a blockchain, they can’t be altered or manipulated. It builds trust between freelancers and clients, ensuring both sides uphold their agreements.

4. Automated Dispute Resolution

AI can analyze contract terms, track completed work, and help resolve disputes without the need for lengthy back-and-forths or expensive arbitration.

Crypto Payments: A New Era for Freelancer Earnings

In addition to AI-powered contracts, crypto payments are making life easier for freelancers. Here’s why:

1. Faster, Borderless Transactions

Unlike traditional banks, which may take days to process international payments, crypto transactions happen within minutes. Freelancers from any part of the world can receive payments without delays or currency exchange issues.

2. Lower Transaction Fees

Freelancers often lose money to PayPal fees or bank conversion rates. Crypto payments, especially with stablecoins like USDT or DAI, minimize transaction costs.

3. Financial Inclusion

Many freelancers in developing countries struggle with limited banking access. Crypto allows anyone with an internet connection to receive payments, opening up more global job opportunities.

4. Protection Against Inflation

For freelancers in countries with unstable currencies, earning in crypto can help protect their income from inflation. Holding payments in stablecoins ensures their value doesn’t drop overnight.

The Rise of Decentralized Freelance Platforms

Traditional platforms like Upwork and Fiverr operate as centralized marketplaces, controlling fees, client interactions, and even freelancer accounts. But new decentralized freelance platforms are changing this.

How They Work:

  • Freelancers and clients connect directly without intermediaries.
  • Smart contracts manage payments, ensuring fairness.
  • AI helps match freelancers with jobs based on skills and reputation.

Examples of decentralized platforms include Braintrust, Colony, and CryptoTask, which allow freelancers to work on projects without excessive fees or platform restrictions.

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The Future of Freelancing with AI and Crypto

The combination of AI and crypto is creating a more decentralized, fair, and efficient freelance economy. Here’s what the future looks like:

1. AI-Powered Job Matching

AI will help freelancers find jobs that perfectly match their skills, reducing the time spent searching for work.

2. Decentralized Reputation Systems

Instead of relying on centralized rating systems that can be manipulated, blockchain-based reputation scores will help freelancers build trust.

3. Tokenized Rewards and Ownership

Freelancers may earn governance tokens in decentralized platforms, giving them a say in how the marketplace operates.

4. Greater Financial Independence

With AI-powered contracts and crypto payments, freelancers will have more control over their income without relying on banks or middlemen.

Final Thoughts

Freelancing is evolving, and AI and crypto are leading the charge. By eliminating payment delays, reducing fees, increasing trust, and expanding global access, these technologies are making freelancing more sustainable and rewarding.

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If you’re a freelancer, it’s worth exploring AI-powered contracts and crypto payments to take advantage of the benefits. The future of work is decentralized, and those who embrace it early will have the biggest opportunities.

What do you think? Would you use crypto payments or AI contracts for your freelance work? Let’s discuss it!

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March 3, 2025 0 comment
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15 Questions to Ask Entrepreneurs (So You Can Become One)

by admin February 28, 2025
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Why do you want to be an entrepreneur?

It’s a simple question, but the answer could determine whether you succeed or fail in business. A strong why keeps entrepreneurs focused and willing to push through inevitable challenges when they pop up. Yet still, many aspiring entrepreneurs jump in without fully understanding their motivations, leading to uncertainty, burnout, and often, failure when they face adversity.

The best entrepreneurs don’t just take action. They ask the right questions first. This helps shape your mindset, clarify your strategy, and uncover blindspots before they become obstacles.

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In this article, we’ve put together 15 questions to ask experienced entrepreneurs. The aim is that you will use them to find the answers you need to start your entrepreneurial journey. They will help you define your purpose, map out your next steps, and prepare for the realities of building a business.

Let’s dive in.

Mindset & Personal Development

Before you step into the world of entrepreneurship, you need the right mindset. Being an entrepreneur demands resilience, adaptability, and a willingness to go beyond your comfort zone. The most successful business owners aren’t just skilled at what they do, they understand how to think, learn, and grow despite the odds.

The following questions will help you develop the mindset necessary to thrive as an entrepreneur and identify areas you need to work on.

1. What motivated you to start your business?

Every entrepreneur has a reason for taking a leap into business ownership. Over half of small business owners start their ventures to be their own boss. For many, the financial opportunities are the main motivators. Unlike a nine-to-five, entrepreneurial businesses offer potentially uncapped earnings, but that’s not guaranteed.

Understanding your core motivation is crucial. It fuels your drive and serves as a compass during difficult moments. It gives you a strong enough why to keep going when you otherwise might give in.

2. How do you handle fear and uncertainty?

Entrepreneurship is inherently filled with uncertainty and risk. While your mindset can go a long way in preparing you to face challenges, you need to be realistic and craft strategies to make sound decisions under pressure. This is a valuable lesson to learn from successful entrepreneurs, especially those in your niche.

When you study businesspeople, you unearth various coping strategies.

Many preach embracing action over inaction, encouraging you to take decisive steps. Others recommend developing a risk management framework to evaluate potential paths based on a set of criteria, like cost, feasibility, and risk potential.

You never know when a mishap, financial issue, or an accident might happen so learn from fellow entrepreneurs on how to handle this uncertainty.

3. What habits or routines contribute most to your success?

Social media gurus have convinced the masses that a morning routine is key to success in life, but how true is this? The reality is that different methods work better for different people. That said, consistency is essential. When you take on tasks methodically with a routine, you create a data set that you can analyze and tweak to fit your specific needs.

Habits that entrepreneurs often praise include waking up early, regular exercises, goal setting, continuous learning, and evening reflection. It’s best to have an idea of habits and routines before talking to an entrepreneur.

4. What’s the biggest misconception about being an entrepreneur?

Let’s face it, entrepreneurship is romanticized and far too often viewed as a fast track to wealth and autonomy. In most cases, this couldn’t be further from the truth.

Entrepreneurs are made, not born. Sure, some people might be more inclined to take risks or follow a passion, but many successful businesspeople have honed their abilities through continuous learning and adaptation.

Understanding misconceptions is crucial for aspiring entrepreneurs. Recognizing the realities and watching out for pitfalls, like unlimited freedom or getting rich quickly, helps you set better expectations.

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5. What skills do you think every entrepreneur should develop?


Alt: Networking is a crucial part of being an entrepreneur. Here is a breakdown of your network | Source: Harvard Business School

Entrepreneurs wear many hats. Having diverse skills is an absolute must, but what are the most important competencies?

According to Harvard Business School, practical skills like financial literacy, networking, public speaking, openness to feedback, and pattern recognition are key. These may not be what you want to hear, but these skills can get you far in business.

One of the more recent trends for companies is big data integration. This is where you connect data from multiple sources to unlock key insights for your business. The takeaway here is that you need to understand a little bit about every aspect of your business to be able to gain the most valuable insights that can inch your company forward in the right direction.

Go into a meeting with an entrepreneur who has these ideas prepared. Ask them to discuss them and break down the core competencies in their own words. This is where you’ll get the juiciest details.

6. How do you define success in entrepreneurship?

There have been plenty of studies on entrepreneurship, uncovering valuable insights. However, most studies define success with specific criteria in mind and then discuss the importance of each component to entrepreneurs. This is limiting as it prevents entrepreneurs from delving into their definitions of success and success criteria.

By asking people for their own take on success, you unearth the gold.

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For some, success means financial independence, which is understandable and straightforward. But, others may view success through impact, measuring it by positive change or the number of people they employ.

Success isn’t one-size-fits-all. Hearing other interpretations helps you come up with your own definition, which you can take with you as you start your own business.

Practical Steps to Building a Business

At some point, every entrepreneur has to move from thinking to doing. Execution separates ideas that remain dreams from businesses that thrive.

Building a business is about making informed decisions, adapting to challenges, and taking risks with purpose. This step is often the main difference between success and failure as an entrepreneur.

7. What’s the first step someone should take before starting a business?

Aspiring entrepreneurs rush to build websites, create logos, and launch their products before they even know if there’s a real demand for them. This can be effective. Any setbacks serve as teachings that may be necessary on their journey.
But, it’s not efficient. The first step to building a successful business isn’t branding; it’s validation.

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Talking to potential customers, tasting ideas in the real world, and gathering honest feedback will save you time and money. Take Sara Blakely, the founder of Spanx, the clothing company that helps outfits fit better. She started by cutting the feet off her pantyhose and wearing them to see if they worked, saving money before developing an expensive prototype.

This is just one side of the coin. Ask ten different entrepreneurs how to start a business, and you’ll get ten different answers. That’s why the question is so valuable.

8. How did you come up with your business idea?

Every successful business starts with a spark of inspiration. Some entrepreneurs spot a market gap, others build on personal frustrations, and some stumble upon an opportunity by accident.

Look at Hamdi Ulukaya, founder of Chobani. He came across a classified ad for an abandoned yogurt factory. Instead of dismissing it, he saw an opportunity, bought the facility, and introduced Greek yogurt to the U.S. market. It’s now a billion-dollar company.

For freelancers and creatives, ideas are often born out of necessity, like recognizing a demand for better client relationships or spotting inefficiencies in an industry and designing a service around it.

Asking this question can open your eyes to how entrepreneurs recognize and seize opportunities.

9. How do you approach pricing your products or services?

Pricing is tricky for entrepreneurs. It’s easy to undercut yourself in the beginning when you lack confidence, but this can be detrimental in the long run.

Pricing can determine the type of clients you attract. Price too low and you bring in bargain hunters; too high and you might price yourself out of the market.

In most cases, your strategy will be industry-specific. For example, when selling products, you generally price items in relation to the competition.

However, in a totally different sector, such as law, legal firms like Baumgartner Law structure fees around contingency models. This means clients only pay if the firm secures compensation.

Don’t be afraid to ask for grizzly details and take ideas that relate to your industry and audience.

10. What’s been the most effective marketing strategy for your business?

Marketing is one of those all-encompassing terms that can mean a wide variety of things depending on the industry. Nowadays, innovative marketing strategies are often what elevate entrepreneurs to a new level, whether it’s paid ads, email campaigns, or otherwise.

Marketers have more tools than ever to promote their products and services. This doesn’t mean you need to use them all. Sometimes, simple strategies work best.

For example, GoKenny personal injury lawyers use hyper-targeted local marketing to ensure their services are seen by the right people at the right time. And, it works.

Asking about marketing strategy doesn’t just give you ideas, it also inspires you to think outside the box.

11. What’s one financial mistake you made early on, and how did you fix it?

Every entrepreneur has a financial misstep story; these lessons are goldmines for starting out.

For example, you often hear of people mixing personal and business finances in the early stages.
This practice can lead to accounting nightmares and potential legal issues that necessitate emergency lawsuit loans, from companies like Tribeca.

By hearing how others overcame financial mistakes, you can avoid making them in the first place. If you don’t get a good answer, pry a little more.

Overcoming Challenges & Long-Term Growth

Every entrepreneur will inevitably face setbacks. But what separates those who thrive from those who fold is how they handle challenges and adapt over time. Growth doesn’t just mean scaling the business; it’s about learning from mistakes, making smarter decisions, and staying in the game when things get tough.

This final set of questions will help you uncover the lessons that experienced entrepreneurs have learned the hard way.

12. What’s the biggest challenge you’ve faced as an entrepreneur?

This question doesn’t need much explaining. When you ask the right person, you will learn about the real struggles business owners face as well as the creative solutions they employ to overcome them.

Many entrepreneurs face massive financial challenges, from a lack of funding to unforeseen problems like the pandemic and from personal accidents to supply chain issues. Understanding them prepares you for the inevitable.

13. How do you deal with competition in your industry?

Competition is a given in any industry, whether you’re a tech startup or an established injury law firm. Seasoned professionals in your industry can show you proven ways they’ve managed to stand out and succeed despite fierce competition.

For instance, some entrepreneurs focus on highlighting their unique strengths rather than mimicking competitors. As Oleg Shchegolev, co-founder of SEMrush, advises, “Stop watching the competition and think for yourself.”

Others emphasize the importance of understanding your customers and competitors to identify market gaps and position yourself more effectively.

14. How do you prevent burnout while running a business?

Statistically, entrepreneurs work more than other professionals. Going your own way demands long hours and relentless dedication, making burnout a real problem. Finding out how your peers avoid this may be the difference maker in having a long and prosperous career.

Work-life balance is something most professionals strive toward, but is it realistic when you have lofty goals? Whatever way you look at it, you’ll need self-care practices to keep up a demanding lifestyle, which is something seasoned entrepreneurs can help you with.

15. What’s one lesson about entrepreneurship you wish you had learned sooner?

Jeff Bezos, founder of Amazon, emphasizes the importance of embracing failure as a learning tool. Oprah Winfrey highlights the significance of following your passion and purpose. Elon Musk cites resilience and perseverance as requirements for enduring hardships and pushing through challenges.

Gaining similar insights from like-minded businesspeople will help you anticipate challenges, make better decisions, and navigate your entrepreneurial path with clarity.

The Right Questions Lead to the Right Answers

Entrepreneurship isn’t about having all the answers. It’s about knowing which questions to ask. By learning from those who’ve already walked the path, you can avoid common mistakes, gain valuable insights, and build a business with confidence.

Whether you’re just getting started or refining your approach, seek mentorship, stay curious, and don’t be afraid to take calculated risks.

For more insights on freelancing and entrepreneurship, explore Millo and continue shaping your journey.

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February 28, 2025 0 comment
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9 Best Bank Accounts for Freelancers in February 2025

by admin February 27, 2025
written by admin


As a freelancer, setting up a self-employed bank account is crucial for managing your business. As your own boss, you’re responsible for taxes, expenses, cash flow, and paying yourself.

While there’s no single right way to organize your finances as a freelancer, experts recommend separating personal and business finances by opening a freelance bank account. This offers legal protections, helps streamline transactions, and signals professionalism to clients.

A self-employed freelancer account doesn’t have to mean high fees or added stress. Many options are geared towards small businesses and freelancers, offering perks that can help you save money for future expansion.

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Here’s our list of the best bank accounts for freelancers and self-employed professionals:

Brand Description Rating Price Links
Grasshopper Bank logo

Grasshopper Bank

•

Grasshopper Bank offers digital-first business banking solutions with a focus on high-yield accounts and cash back rewards. Their Innovator …

starstar5/5

Starts at $03.55% APY; 1% cash back

Learn More starstar

Found logoFound logo

Found

•

Found is an all-in-one financial platform for self-employed individuals and small business owners. It combines online banking, bookkeeping, …

starstar5/5

Starts at $0-$20/moFree Banking Solutions

Learn More starstaror read our Found review

Lili logo

Lili

•

Lili is an all-in-one financial platform designed for self-employed individuals, entrepreneurs, and small business owners. It offers a compr…

starstar5/5

Starts at $0-$33/moTry free for 30 Days

Learn More starstaror read our Lili review

Bonsai Cash logo

Bonsai Cash

•

Bonsai Cash is a business account tailored for professional services and small businesses. It offers simple setup with no minimums or hidden…

starstar4/5

Starts at $0+Insured up to $250k

Learn More starstar

Bluevine logo

Bluevine

•

Bluevine combines business checking, lending, and credit card services. Key features include a business checking account with competitive AP…

starstar4/5

Starts at $0Open an account in minutes

Learn More starstar

Novo logo

Novo

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Novo provides a free business checking account with no monthly fees or minimum balance requirements. Key features include business debit car…

starstar4/5

Starts at $0/moApply in minutes

Learn More starstar

Chase logoChase logo

Chase

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Chase for Business offers a comprehensive suite of financial services for businesses of all sizes. This includes business checking accounts,…

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Starts at $0

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Axos logo

Axos

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Axos offers comprehensive business banking solutions for small businesses. Their services include business checking accounts with low fees, …

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Starts at $0Open an account in minutes

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Bank of America logo

Bank of America

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Bank of America offers Business Advantage Banking, a comprehensive business checking account solution. They provide two main options: Busine…

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Starts at $0+Open an account

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LendingClub logoLendingClub logo

LendingClub

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LendingClub Bank offers comprehensive business banking solutions, including business checking and high-yield savings accounts, small busines…

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Starts at $0Borrow up to $250k

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Mercury logo

Mercury

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Mercury offers checking and savings accounts, credit cards, and financial management tools in a unified platform. Key features include effic…

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Grasshopper Bank

Grasshopper Bank offers digital-first business banking solutions with a focus on high-yield accounts and cash back rewards. Their Innovator Business Checking provides up to 1.80% APY, while their Money Market Savings offers up to 3.55% APY. The accounts feature no monthly maintenance fees, unlimited transactions, and 1% cash back on debit card purchases. Grasshopper emphasizes digital convenience with online account opening, mobile banking, and streamlined payment options. Additional offerings include enhanced FDIC insurance up to $125 million, SBA lending, and dedicated customer support. The bank aims to combine banking technology with financial expertise to serve small businesses and startups.

Why we like Grasshopper Bank ‣

Grasshopper Bank offers a digital-first banking solution tailored specifically for small businesses and startups. We appreciate Grasshopper’s focus on combining competitive interest rates with cash back rewards and fee-free banking services. The platform stands out for its modern approach to business banking that eliminates common pain points while providing tools to help businesses grow their finances.

Grasshopper Bank Pros & Cons ‣

Pros:

  • Earn up to 3.55% APY and unlimited 1% cash back
  • No monthly fees or transaction limits
  • Unlimited cash back on everyday debit purchases
  • FDIC insured with coverage up to $125M

Cons:

  • No cash deposits
  • Online-only banking, no physical branches

Found

Found is an all-in-one financial platform for self-employed individuals and small business owners. It combines online banking, bookkeeping, tax management, and invoicing tools with no hidden fees or minimum balance requirements. Key features include real-time tax estimates, automatic expense categorization, and easy invoicing. Found aims to simplify financial management for freelancers and sole proprietors by integrating banking, accounting, and tax functions in a single, user-friendly application available on multiple platforms.

Why we like Found ‣

Found Bank offers a compelling banking solution tailored specifically for freelancers and self-employed professionals. We appreciate Found’s focus on simplifying financial management for independent workers, combining essential banking services with tools for invoicing, expense tracking, and tax preparation. The platform’s all-in-one approach addresses many pain points freelancers face in managing their business finances.

Read the Full Review

Found Pros & Cons ‣

Pros:

  • No-fee business banking designed for freelancers and solopreneurs
  • Built-in tools for invoicing, expense categorization, and tax estimation
  • Free business debit Mastercard with instant purchase alerts
  • Automatic expense categorization for easier tax preparation
  • Real-time tax estimates and ability to pay taxes directly through the app
  • User-friendly mobile and web apps for on-the-go financial management

Cons:

  • Not suitable for S-Corps or nonprofit organizations
  • Limited features compared to more comprehensive accounting software
  • Relatively new player in the financial technology space
  • May lack some advanced features needed by larger or more complex businesses
  • Upgrade required for certain premium features (Found+)

Lili

Lili is an all-in-one financial platform designed for self-employed individuals, entrepreneurs, and small business owners. It offers a comprehensive suite of services including business banking, accounting, and tax preparation tools. Lili provides a business checking account with no hidden fees, overdraft protection, and a Visa® debit card. The platform features smart bookkeeping with automated categorization, invoicing software, and bill pay solutions. Lili also offers tax preparation tools, including automated tax savings and pre-filled tax forms. With various account plans available, Lili aims to streamline financial operations for businesses at different stages of growth, from self-employed individuals to scaling companies.

Why we like Lili ‣

Lili Bank offers a tailored banking solution for freelancers, solopreneurs, and small business owners. We appreciate Lili’s focus on providing a comprehensive financial toolkit that goes beyond basic banking services. The platform combines a business checking account with features like expense categorization, tax preparation assistance, and invoicing tools, all designed to simplify financial management for independent professionals.

Read the Full Review

Lili Pros & Cons ‣

Pros:

  • No-fee business checking account with no minimum balance requirements
  • Free Visa debit card accepted widely
  • Built-in expense categorization and tax preparation tools
  • Invoicing features available on higher-tier plans
  • Automated tax savings options
  • User-friendly mobile app for on-the-go financial management
  • Cash back rewards on higher-tier plans

Cons:

  • Premium features require paid subscription plans
  • Limited cash deposit options and daily/monthly limits
  • Not suitable for larger businesses or certain business structures
  • Relatively new player in the financial technology space
  • Customer support limited to specific hours
  • Some advanced features only available on higher-tier plans

Bonsai Cash

Bonsai Cash is a business account tailored for professional services and small businesses. It offers simple setup with no minimums or hidden fees, FDIC insurance, and automatic budgeting tools. The account includes expense management features, a Visa debit card, and integrates with Bonsai’s other business management tools. Designed to streamline financial operations, Bonsai Cash aims to simplify income allocation, expense tracking, and budgeting for freelancers and small business owners in various professional fields.

Why we like Bonsai Cash ‣

Bonsai Cash offers a specialized business banking solution tailored for freelancers, professional service providers, and small businesses. We appreciate Bonsai’s focus on creating an all-in-one financial management platform that addresses the unique needs of independent professionals. The seamless integration with other Bonsai features makes it a compelling option for those already using Bonsai’s suite of business tools.

Bonsai Cash Pros & Cons ‣

Pros:

  • No minimum balance requirements and zero hidden fees
  • FDIC insured up to $250,000 for financial security
  • Automatic budgeting tools with sub-accounts for taxes, savings, and bills
  • Expense management with automatic categorization and receipt upload
  • Visa debit card for both physical and virtual transactions
  • Integration with Bonsai’s time tracking, contract, and invoicing features
  • Designed specifically for professional services and freelancers

Cons:

  • May have limited utility for businesses not already using other Bonsai tools
  • Potentially less feature-rich compared to more established banking solutions
  • Might not be suitable for larger businesses or those with complex banking needs
  • Limited information about customer support options
  • Unclear if there are any transaction limits or restrictions
  • May lack some advanced features offered by traditional banks

Bluevine

Bluevine combines business checking, lending, and credit card services. Key features include a business checking account with competitive APY rates, no monthly fees, and FDIC insurance up to $3 million. Bluevine also provides business lines of credit up to $250,000 and a business credit card with unlimited cash back. The company aims to simplify financial operations for businesses by offering a comprehensive suite of services accessible from a single platform.

Why we like Bluevine ‣

Bluevine offers a comprehensive financial platform tailored for small businesses, combining checking, lending, and credit card services. We appreciate Bluevine’s focus on providing a seamless, integrated solution that addresses multiple financial needs of growing businesses. The platform stands out for its competitive interest rates, lack of monthly fees, and access to working capital, all designed to support business growth and financial management.

Bluevine Pros & Cons ‣

Pros:

  • High-yield business checking account with up to 2.0% APY for eligible customers
  • No monthly fees and unlimited transactions for checking accounts
  • FDIC insurance up to $3 million through partner banks
  • Business line of credit up to $250,000 with flexible draws and repayments
  • Business credit card with unlimited 1.5% cash back and no annual fee
  • Advanced money movement options and accounts payable automation
  • Integrated platform for checking, lending, and credit card services

Cons:

  • Not a traditional bank, which may be a concern for some businesses
  • Highest APY and some features only available on premium checking plans
  • Credit approval required for lending products
  • May have limitations for businesses with complex banking needs
  • Relatively new player compared to established banks
  • Some services provided through partner banks or third parties

Novo

Novo provides a free business checking account with no monthly fees or minimum balance requirements. Key features include business debit cards, budgeting tools called “Reserves,” free customizable invoicing, and integration with popular business tools. Novo also offers Novo Boost, which accelerates Stripe payments, and provides access to partner perks worth up to $10,000 in savings. The platform emphasizes ease of use, quick account setup, and integration with existing business software to streamline financial operations for small business owners.

Why we like Novo ‣

Novo offers a digital-first business checking solution tailored for small businesses and entrepreneurs. We appreciate Novo’s focus on providing a streamlined, fee-free banking experience with modern features that cater to the needs of today’s small business owners. The platform stands out for its integration capabilities, innovative cash flow management tools, and commitment to eliminating common banking pain points for small businesses.

Novo Pros & Cons ‣

Pros:

  • No monthly fees or minimum balance requirements
  • Free business debit card with instant card control features
  • Robust integrations with popular business tools and platforms
  • Novo Boost feature for faster access to Stripe payments
  • Free, customizable invoicing tools built into the platform
  • Reserves feature for easy budgeting and goal setting
  • Access to partner perks with potential savings on business tools
  • FDIC insured up to $250,000 through partner bank

Cons:

  • Not a traditional bank, which may concern some businesses
  • Limited physical banking services (e.g., cash deposits)
  • Relatively new player in the financial technology space
  • May lack some advanced features offered by traditional banks
  • Customer support primarily digital, which may not suit all users
  • ATM fee reimbursements limited to $7 per month starting 2024

Chase

Chase for Business offers a comprehensive suite of financial services for businesses of all sizes. This includes business checking accounts, loans, credit cards, payment solutions, and savings accounts. The platform aims to support businesses throughout their growth stages, providing integrated tools for managing finances, accepting payments, and accessing capital. Chase emphasizes flexibility and scalability in its offerings to meet diverse business needs.

Why we like Chase ‣

Chase for Business offers a comprehensive suite of financial services tailored for businesses of all sizes, from small startups to large corporations. We appreciate Chase’s ability to provide a wide range of products and services under one roof, leveraging its extensive experience and resources as a major financial institution. The platform stands out for its combination of traditional banking strength with modern business tools and technologies.

Chase Pros & Cons ‣

Pros:

  • Diverse range of business checking accounts to suit various business sizes and needs
  • Comprehensive payment solutions, including the new Chase Point of Sale (POS) Terminal
  • Variety of business credit cards with attractive rewards programs
  • Access to business loans and financing options, including SBA loans
  • Robust online and mobile banking platforms for easy account management
  • Extensive network of physical branches and ATMs for in-person banking
  • Integration of merchant services and payment processing solutions
  • Access to commercial banking services for larger businesses

Cons:

  • May have higher fees compared to some online-only business banking alternatives
  • Some advanced features or better rates might require maintaining higher account balances
  • Potential for more complex account structures that could be overwhelming for very small businesses
  • Large institution may offer less personalized service compared to smaller banks or credit unions
  • Some users may find the wide array of products and services overwhelming to navigate
  • Approval for certain products like loans or credit cards may have stricter requirements

Axos

Axos offers comprehensive business banking solutions for small businesses. Their services include business checking accounts with low fees, high-yield savings accounts, and merchant services for processing payments. Axos emphasizes digital banking tools, including mobile app access for account management and integration with accounting software. They provide additional services such as SBA loans, payroll processing, and treasury management. Axos aims to simplify banking for business owners, offering competitive rates and fewer fees to support financial growth and management.

Why we like Axos ‣

Axos offers a comprehensive digital banking solution tailored for small businesses and entrepreneurs. We appreciate Axos’ focus on providing a range of business banking services with competitive rates and lower fees compared to traditional banks. The platform stands out for its combination of digital-first convenience and robust financial tools designed to support business growth and financial management.

Axos Pros & Cons ‣

Pros:

  • Low-fee or no-fee business checking account options
  • High-yield business savings accounts to grow reserves
  • Competitive welcome bonuses for new business accounts
  • Comprehensive suite of services including SBA loans, merchant services, and payroll
  • Advanced digital tools and mobile app for easy account management
  • Treasury management and fraud protection services
  • Expanded FDIC insurance through Insured Cash Sweep program
  • Integration with accounting software for easier bookkeeping

Cons:

  • Primarily digital banking may not suit businesses needing frequent in-person services
  • Limited physical branch presence compared to traditional banks
  • Some advanced features or higher rates may require maintaining larger balances
  • Potential learning curve for those transitioning from traditional banking
  • May lack some specialized services offered by larger banks
  • Customer service limited to specific hours, which may not suit all businesses

Bank of America

Bank of America offers Business Advantage Banking, a comprehensive business checking account solution. They provide two main options: Business Advantage Fundamentals Banking and Business Advantage Relationship Banking. These accounts include features like cash flow monitoring tools, mobile banking, Zelle for business, and QuickBooks integration. Bank of America emphasizes digital tools, security, and support for small businesses. They also offer a Preferred Rewards for Business program with additional benefits for qualifying customers. The accounts are designed to provide essential financial tools and services to help businesses manage their finances efficiently.

Why we like Bank of America ‣

Bank of America offers a comprehensive suite of business banking services tailored for small to medium-sized enterprises. We appreciate Bank of America’s ability to combine the resources and stability of a large financial institution with specialized tools and services designed for business owners. The platform stands out for its range of account options, digital tools, and integration with other business services.

Bank of America Pros & Cons ‣

Pros:

  • Multiple business checking account options to suit different business needs
  • Robust digital banking platform with tools like Cash Flow Monitor and Connected Apps
  • Integration with popular business tools like QuickBooks and Zelle for Business
  • Access to dedicated small business specialists for personalized support
  • Extensive network of physical branches and ATMs for in-person banking
  • Fraud protection and security features
  • Preferred Rewards for Business program offering additional benefits
  • Free business credit score access through Dun & Bradstreet

Cons:

  • Monthly maintenance fees on business accounts, though avoidable with certain balances or activities
  • Higher balance requirements to waive fees compared to some online-only banks
  • Some advanced features only available with higher-tier accounts
  • Potential for multiple fees for various services, which can add up for small businesses
  • Digital tools may have a learning curve for less tech-savvy users
  • Interest rates on savings accounts may be lower compared to some online competitors

LendingClub

LendingClub Bank offers comprehensive business banking solutions, including business checking and high-yield savings accounts, small business (SBA) loans, and cash management services. Their business checking account features earning opportunities and automatic ATM fee rebates. LendingClub emphasizes digital banking with a human touch, providing secure online services, FDIC insurance, and dedicated customer support. The bank aims to offer tailored financial products that save businesses time and money, with a focus on convenience and ease of use for their customers.

Why we like LendingClub ‣

LendingClub Bank offers a comprehensive suite of digital banking solutions tailored for modern businesses. We appreciate LendingClub’s focus on providing innovative, user-friendly financial services that cater to the unique needs of various business types. The platform stands out for its combination of traditional banking products with modern fintech features, all designed to save businesses time and money.

LendingClub Pros & Cons ‣

Pros:

  • Variety of business banking products including checking, savings, and lending options
  • High-yield savings account for businesses to maximize returns on cash reserves
  • Tailored checking accounts with the opportunity to earn and automatic ATM fee rebates
  • SBA loan options for small business financing needs
  • Integration with Autobooks for streamlined financial management
  • Digital-first approach with user-friendly online and mobile banking platforms
  • FDIC insurance up to $250,000 per depositor
  • Strong focus on security with 256-bit encryption

Cons:

  • Primarily digital banking may not suit businesses needing frequent in-person services
  • Limited physical branch presence compared to traditional banks
  • Some advanced features or higher rates may require maintaining larger balances
  • Potential learning curve for those transitioning from traditional banking
  • May lack some specialized services offered by larger, more established banks
  • Customer support options may be more limited compared to traditional banks

Mercury

Mercury offers checking and savings accounts, credit cards, and financial management tools in a unified platform. Key features include efficient payment processing, expense tracking, and accounting automation. Mercury emphasizes high-yield treasury management, venture debt access, and enhanced FDIC insurance. The platform aims to simplify financial operations for startups and small businesses with a user-friendly interface and scalable pricing.

Why we like Mercury ‣

Mercury offers a modern, comprehensive digital banking platform tailored for startups and tech-savvy businesses. We appreciate Mercury’s focus on combining powerful financial tools with a user-friendly interface, designed to simplify and streamline business banking operations. The platform stands out for its integration of traditional banking services with innovative fintech features, all aimed at supporting the unique needs of growing companies.

Mercury Pros & Cons ‣

Pros:

  • All-in-one financial dashboard for efficient banking and operations management
  • High-yield savings options with up to 5.35% yield through Mercury Treasury
  • Seamless payment processing with free USD wires and auto-transfer rules
  • Business credit cards with low deposit minimums and 1.5% cashback on all spend
  • Advanced bill pay and invoicing features with AI-powered assistance
  • Robust accounting automations and integrations with popular software
  • Up to 20x the standard FDIC insurance through partner banks and sweep networks
  • Access to startup-friendly financing options like Venture Debt
  • Community and networking features through Mercury Raise

Cons:

  • Primarily digital banking may not suit businesses needing frequent in-person services
  • Limited physical presence compared to traditional banks
  • May have a learning curve for those transitioning from traditional banking
  • Some advanced features may require higher-tier accounts or additional fees
  • Newer platform compared to established banks, which may concern some businesses
  • Focused primarily on startups and tech companies, may not be ideal for all business types

Key Features to Look for in a Freelancer Bank Account

When choosing a bank account for your freelance business, there are several key features you should prioritize. These elements can significantly impact your day-to-day operations and long-term financial health.

Low or no monthly fees:

As a freelancer, every dollar counts. Look for accounts that minimize or eliminate monthly maintenance fees. This ensures more of your hard-earned money stays in your pocket.

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Mobile banking capabilities:

In today’s fast-paced world, robust mobile banking is essential. Seek out accounts that offer comprehensive app functionality, allowing you to manage your finances on the go.

Integration with accounting software:

Seamless integration with popular accounting platforms can save you countless hours and reduce errors. Ensure your chosen account works well with your preferred software.

Invoicing tools:

Built-in invoicing features can streamline your billing process. This not only saves time but also presents a more professional image to your clients.

Tax planning assistance:

Look for accounts that offer tools to help you set aside funds for taxes or provide guidance on estimated tax payments. This can help avoid surprises come tax season.

High APY (Annual Percentage Yield):

While not the primary concern, a competitive interest rate allows your funds to grow when they’re not in use. Using an APY calculator can help you compare rates and estimate your potential earnings. Every bit of passive income helps in the freelance world.

ATM access and fee reimbursements:

Convenient access to your funds is crucial. Prioritize accounts with extensive ATM networks or those that reimburse fees from out-of-network ATMs.

Remember, the ideal bank account for your freelance business should align with your specific needs and work style. Take the time to compare options and choose an account that will support your financial goals and day-to-day operations effectively.

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Additional Considerations for Choosing a Bank Account

Beyond the core features, there are several other factors to weigh when selecting a bank account for your freelance business. These additional considerations can provide extra value and convenience.

Online vs. traditional banks

Consider whether you prefer the convenience of a fully online bank or the in-person services of a traditional institution. Online banks often offer more competitive rates and lower fees, but traditional banks may provide a wider range of services and the option for face-to-face interactions.

Cash flow management tools

Look for accounts that offer robust cash flow tracking and forecasting features. These tools can help you anticipate income fluctuations and manage expenses more effectively, which is crucial in the often unpredictable world of freelancing.

Payment processing features

Some bank accounts offer integrated payment processing capabilities. This can streamline your ability to accept various payment methods from clients, potentially reducing transaction fees and improving cash flow.

Sign-up bonuses and rewards programs

While not a primary consideration, sign-up bonuses can provide a nice initial boost to your business finances. Additionally, some business accounts offer rewards programs that can provide ongoing benefits, such as cash back on certain purchases or discounts on business services.

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Remember, the ideal bank account will depend on your specific needs as a freelancer. Consider how these additional features align with your business model and financial goals. It’s worth taking the time to research and compare options to find the account that best supports your freelance journey.

What’s Next?

If you’re ready to separate your personal and business finances and open a self-employed bank account, you will find a variety of options to suit your needs. Instead of feeling overwhelmed, make a list of the features you truly need, then zero in on the account types that check all of the boxes.

Don’t shy away from a self-employed bank account solution just because there are fees associated with it. Investing in your business can be a smart choice if it solves a problem, frees up your time or helps you better manage your money.

Whether you choose a tailor-made self-employed bank account like Found or go with a more established name like Chase, taking the step to have a dedicated business account will help you get organized and plan for the future.

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