August 15, 2023

Managing irregular income, crafting LinkedIn messages, + 3 other top tips

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border="0" cellpadding="0" cellspacing="0" class="row-content stack" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;border-radius:0;color:#000;width:500px;margin:0 auto" width="500"><tbody><tr><td class="column column-1" style="mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0" width="100%"><table border="0" cellpadding="10" cellspacing="0" class="text_block block-1" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:14px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:16.8px;color:#000;line-height:1.2"><p style="margin:0;text-align:center;mso-line-height-alt:16.8px"><span style="font-size:24px;"><strong>Take 5: Insights from our most popular playbooks</strong></span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-2" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"> <span style="font-size:16px;">👋&nbsp; Welcome to the Pollen newsletter, where we share in depth tactics and best practices for your independent business.</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"><br> <span style="font-size:16px;">💪 <a 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style="word-break: break-word; line-height: 28px;">Apply</span></span></a> </div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="row row-3" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;background-color:#f6f2ee" width="100%"><tbody><tr><td><table align="center" border="0" cellpadding="0" cellspacing="0" class="row-content stack" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;color:#343446;width:500px;margin:0 auto" width="500"><tbody><tr><td class="column column-1" style="mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0" width="100%"><table border="0" cellpadding="0" cellspacing="0" class="text_block block-1" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;font-size:16px;mso-line-height-alt:24px">Let’s grab some actionable tips from some of our most popular playbooks.</p></div> </div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="divider_block block-2" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="divider_inner" style="font-size:1px;line-height:1px;border-top:1px solid #bbb"><span> </span></td></tr> </tbody></table></div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-3" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;mso-line-height-alt:30px"><span style="font-size:20px;"><strong>1. How to pay yourself when you have irregular income</strong></span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-4" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;font-size:16px;mso-line-height-alt:24px"> <span style="font-size:16px;">If you have irregular income each month, the first step towards automating your personal finances is creating a “buffer” in your business checking account to ensure that your balance doesn’t go negative. <span style="background-color:#ffdf8f;">If your monthly expenses for the business are $200, work towards maintaining a $600 balance (three months of expenses) at all times. Then as you keep going, you’ll be able to keep that baseline and automate any extra funds that start coming in more regularly.</span></span> </p><p style="margin:0;font-size:16px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;mso-line-height-alt:24px"><span style="font-size:16px;">Here’s an example of what this looks like in real life:</span></p><p style="margin:0;font-size:16px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"> <span style="font-size:16px;"><em>Let’s say a $3,000 invoice has been paid and deposited into your business bank account.</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>If you’re using Novo, whatever percentage you choose to be set aside will automatically be withheld — it could be 25% (which would be $750).&nbsp;</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>So you have $2,250 available. If your monthly business expenses are $300, you’ll have $1,950 left over to pay yourself.</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"> <span style="font-size:16px;"><em>Now, you could leave some of that money in your business checking account to start creating a 3-month business buffer, but you could also send that money straight to your personal account as a payout.</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;mso-line-height-alt:24px"> <span style="font-size:16px;">Once you’ve established the 3-month buffer and feel comfortable with your business income, we recommend setting an automation for bi-weekly or monthly payments so that it mimics a regular paycheck (though this is entirely up to you - you could set weekly payouts and be just fine).</span></p><p style="margin:0;font-size:16px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;mso-line-height-alt:24px"> <span style="font-size:16px;"><strong>Go more in depth with <a class="" href="http://email.runpollen.com/e/c/eyJlIjoxMjU2ODEsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwczovL3d3dy50cmV5dG9uLmNvbS8_dXRtX2NhbXBhaWduPTglMkYxNStXYWl0bGlzdCtOZXdzbGV0dGVyXHUwMDI2dXRtX2NvbnRlbnQ9OCUyRjE1K3dhaXRsaXN0K25ld3NsZXR0ZXJcdTAwMjZ1dG1fbWVkaXVtPWVtYWlsX2FjdGlvblx1MDAyNnV0bV9zb3VyY2U9Y3VzdG9tZXIuaW8iLCJ0IjoxNzA3OTQ3MTM5fQ/d0c1f69284781b05cd0545eae27ed597e5506c3536299741a28817e115d50fef" rel="noopener" style="text-decoration: underline; color: #343446;" target="_blank">Treyton DeVore</a>’s playbook, <em>Automate Taxes, Paychecks, Savings and Investments</em></strong><a href="http://email.runpollen.com/e/c/eyJlIjoxMjU2ODEsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwczovL2FwcC5ydW5wb2xsZW4uY29tL3BsYXlib29rcy8zNzFmNDgyNy02YWI0LTQ3YWEtYjc1Mi1mNzZiOWEwNDFhZWI_Y2F0ZWdvcnk9RmluYW5jZXNcdTAwMjZ1dG1fY2FtcGFpZ249OCUyRjE1K1dhaXRsaXN0K05ld3NsZXR0ZXJcdTAwMjZ1dG1fY29udGVudD04JTJGMTUrd2FpdGxpc3QrbmV3c2xldHRlclx1MDAyNnV0bV9tZWRpdW09ZW1haWxfYWN0aW9uXHUwMDI2dXRtX3NvdXJjZT1jdXN0b21lci5pbyIsInQiOjE3MDc5NDcxMzl9/5857d14eafa58f3b990e557c638f587698d1d047efb7e2134328c2bd1ea17bd1" style="text-decoration: underline; color: #343446;"></a><strong>.</strong></span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="10" cellspacing="0" class="divider_block block-5" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="divider_inner" style="font-size:1px;line-height:1px;border-top:1px solid #bbb"><span> </span></td></tr></tbody></table></div></td></tr></tbody></table> <table border="0" cellpadding="0" cellspacing="0" class="text_block block-6" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;mso-line-height-alt:30px"><span style="font-size:20px;"><strong>2. Communicate business changes with clients with this template</strong></span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-7" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;font-size:16px;mso-line-height-alt:24px"> <span style="font-size:16px;">When you’re making improvements to your business, you might need to communicate changes in services or rates with your clients. This may be a stressful moment — you’re making a change, and if you’re like most people, change feels unpleasant. That’s okay. Understand that good clients know you, value you, and are happy to pay more for your services. And if not? Then they weren’t the right client for you.&nbsp;</span></p><p style="margin:0;font-size:16px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;mso-line-height-alt:24px"><span style="font-size:16px;">Here’s a template you can use:</span></p><p style="margin:0;font-size:16px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>Hi [client name],</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p> <p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>Hope you’re well. I wanted to let you know that I adjust my rates every [time period] to account for market inflation and new skills. This also lets me give you better services!</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"> <span style="font-size:16px;"><em>In addition to [services you previously offered] / I’m moving away from [services you previously offered], I also/now offer:</em></span></p><ul style="line-height:1.5;mso-line-height-alt:24px"><li style="list-style-type:none"><ul style="line-height:1.5;mso-line-height-alt:24px;font-size:16px"><li><span style="font-size:16px;"><em>New service</em></span></li><li><em style="background-color:transparent">New service</em></li><li><em style="background-color:transparent">New service</em></li></ul></li></ul><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>As of [date], my rate will be [price].</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"> <span style="font-size:16px;"><em>If this new rate doesn’t work for you, let me know. I can connect you with another freelancer who can complete this work for you.</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"><span style="font-size:16px;"><em>Thank you,</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:24px"> <span style="font-size:16px;"><em>[Your name]</em></span></p><p style="margin:0;font-size:16px;margin-left:40px;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;mso-line-height-alt:24px"> <span style="font-size:16px;"><strong>See more ways to improve your business in <a class="" href="http://email.runpollen.com/e/c/eyJlIjoxMjU2ODEsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwOi8vd3d3Lnd1ZGFueWFuLmNvbS8_dXRtX2NhbXBhaWduPTglMkYxNStXYWl0bGlzdCtOZXdzbGV0dGVyXHUwMDI2dXRtX2NvbnRlbnQ9OCUyRjE1K3dhaXRsaXN0K25ld3NsZXR0ZXJcdTAwMjZ1dG1fbWVkaXVtPWVtYWlsX2FjdGlvblx1MDAyNnV0bV9zb3VyY2U9Y3VzdG9tZXIuaW8iLCJ0IjoxNzA3OTQ3MTM5fQ/aef68b295dd474ee53462adcd9f78acc3af4dcfdb43fba6560496fd0c1e9d15d" rel="noopener" style="text-decoration: underline; color: #343446;" target="_blank">Wudan Yan</a>’s playbook </strong><strong><em>Build a Freelance Business Plan</em></strong><strong>.</strong></span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="10" cellspacing="0" class="divider_block block-8" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="divider_inner" style="font-size:1px;line-height:1px;border-top:1px solid #bbb"><span> </span></td></tr></tbody></table></div></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-9" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;mso-line-height-alt:30px"><span style="font-size:20px;"><strong>3. Use these tips for...</strong></span></p></div></div></td> </tr></tbody></table><table border="0" cellpadding="10" cellspacing="0" class="divider_block block-10" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="divider_inner" style="font-size:1px;line-height:1px;border-top:1px solid #bbb"><span> </span></td></tr></tbody></table></div> </td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" class="text_block block-11" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;word-break:break-word" width="100%"><tbody><tr><td class="pad" style="padding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:10px"><div style="font-family:Arial,sans-serif"><div class="" style="font-size:12px;font-family:'Helvetica Neue',Helvetica,Arial,sans-serif;mso-line-height-alt:18px;color:#000;line-height:1.5"><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:30px"><span style="font-size:20px;"><strong>Apply for membership to read the rest</strong></span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"> <span style="font-size:16px;">Pollen's members get access to the rest of this post and&nbsp;<a href="http://email.runpollen.com/e/c/eyJlIjoxMjU2ODEsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwczovL3d3dy5ydW5wb2xsZW4uY29tL21lbWJlcnNoaXA_dXRtX2NhbXBhaWduPTglMkYxNStXYWl0bGlzdCtOZXdzbGV0dGVyXHUwMDI2dXRtX2NvbnRlbnQ9OCUyRjE1K3dhaXRsaXN0K25ld3NsZXR0ZXJcdTAwMjZ1dG1fbWVkaXVtPWVtYWlsX2FjdGlvblx1MDAyNnV0bV9zb3VyY2U9Y3VzdG9tZXIuaW8iLCJ0IjoxNzA3OTQ3MTM5fQ/bf47bb3c2b84158962891d11a47fd9423b8648e65924d7bb327d24b385a308e1" rel="noopener" style="text-decoration: underline; color: #343446;" target="_blank">full membership benefits</a>.</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:18px">&nbsp;</p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"> <span style="font-size:16px;"><strong>A membership gets you:</strong></span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"><span style="font-size:16px;">Every newsletter and 30+ playbooks</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"><span style="font-size:16px;">Weekly tactical events and workshops</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"> <span style="font-size:16px;">Network referrals and 2x/week job drops</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"><span style="font-size:16px;">Discounts to over 100 tools</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"><span style="font-size:16px;">Access to industry groups&nbsp;</span></p><p style="margin:0;font-size:16px;text-align:center;mso-line-height-alt:24px"> <span style="font-size:16px;">Access to Pollen’s broader community</span></p></div></div></td></tr></tbody></table><table border="0" cellpadding="10" cellspacing="0" class="divider_block block-12" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="divider_inner" style="font-size:1px;line-height:1px;border-top:1px solid #bbb"><span> </span></td></tr></tbody></table></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="row row-4" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;background-color:#f6f2ee" width="100%"><tbody><tr><td><table align="center" border="0" cellpadding="0" cellspacing="0" class="row-content stack" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;border-radius:5px;color:#000;width:500px;margin:0 auto" width="500"><tbody><tr><td class="column column-1" style="mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0" width="100%"><table border="0" cellpadding="10" cellspacing="0" class="button_block block-1" role="presentation" style="mso-table-lspace:0;mso-table-rspace:0" width="100%"><tbody><tr><td class="pad"><div align="center" class="alignment"> <a href="http://email.runpollen.com/e/c/eyJlIjoxMjU2ODEsImVtYWlsX2lkIjoiZXhhbXBsZSIsImhyZWYiOiJodHRwczovL3d3dy5ydW5wb2xsZW4uY29tL21lbWJlcnNoaXA_dXRtX2NhbXBhaWduPTglMkYxNStXYWl0bGlzdCtOZXdzbGV0dGVyXHUwMDI2dXRtX2NvbnRlbnQ9OCUyRjE1K3dhaXRsaXN0K25ld3NsZXR0ZXJcdTAwMjZ1dG1fbWVkaXVtPWVtYWlsX2FjdGlvblx1MDAyNnV0bV9zb3VyY2U9Y3VzdG9tZXIuaW8iLCJ0IjoxNzA3OTQ3MTM5fQ/bf47bb3c2b84158962891d11a47fd9423b8648e65924d7bb327d24b385a308e1" style="text-decoration:none;display:inline-block;color:#ffffff;background-color:#000000;border-radius:9px;width:auto;border-top:0px solid transparent;font-weight:400;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;padding-top:5px;padding-bottom:5px;font-family:Arial, Helvetica Neue, Helvetica, sans-serif;font-size:14px;text-align:center;mso-border-alt:none;word-break:keep-all;" target="_blank"><span style="padding-left:20px;padding-right:20px;font-size:14px;display:inline-block;letter-spacing:1px;"><span style="word-break: break-word; 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