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It doesn’t always require a massive amount of cash to start a new business. In fact, 25 percent of business owners need no dollar amount to start up and just over 32 percent of new business owners needed less than $5,000 to start or acquire their business.

Businesses such as housekeeping, gardening, internet retail sales, consulting services, daycare, handyman, or similar service industries may require little or no money to start-up yet have potential to grow into very prosperous companies. For example, Molly Maid Housecleaning Service is a multi-million dollar company with services expanding across the country. Molly Maid was started by cleaning just one home.

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Ah yes … we work for money, don’t we.

And we should. After all, you wouldn’t choose to spend your afternoon writing a press release announcing ACME Balloon Rental’s new vice president of inflation instead of working on your novel, would you? Nor would you pop out of bed in the morning thinking, “Finally, today I get to write a brochure about widgets instead of finishing my screenplay!”

The fact is, as freelance writers, we work to eat, and to eat, we must charge for our work. But there’s the rub: What should we charge?

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