Taken a while..
But the cashflow is starting to flow again. Hasn't been easy but at least it won't be an awful Christmas. Also good to have people watching out for you. Sometimes I'm quite pissed with some full time people who just giggle and say "oh it's still being processed" or "haven't found a means to use it yet" or take the whole freelance thing lightly. I can see why few people want to freelance; why bother when getting payment is so hard? I also think the book the Creative Class missed out on one important factor. The freelance factor matters as well to the creativity of a city, and you have to ensure they get paid, that people are used to taking on freelancers and the government protects them as well. I've also reduced my spending as much as possible, though the major portion still goes to rent. Times like this you wish you had a place of your own.
Just got my insurance-investment report from Prudential and found out that they tack on a whole bunch of charges, including a $60 administration charge. Maybe I should just take the money out. The fund has done terribly and I still have to put in $2,400 a year and a lot of it just disappears into nowhere. For these returns I should do my own investment.