Honestly, I'm thinking of reorganizing my business model. First time clients may have to pay the entire balance up front. I'll lose some clients, but I won't be losing money.
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Do it. I’ve been an editor and a ghostwriter for 25 years. The best thing I ever did was move from project pricing and hourly pricing to a retainer. When clients object I say: I’ll do better work for you if I’m not angry and stressed about paying my bills.
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I may be back in touch.