5 Things Enhancing Freelancer's Life

Being a freelancer is not difficult, but it is not easy either, because the freedom you have may come with uncertainty in your life. When you have lots of works, income comes, but if there is no work, there is no income. Planning and managing your own freelance life are important, both in terms of work and finances, especially life and health insurance to take care of you in case of illness, which can happen at any time. Let's see what helps enhance the good lives of freelancers and how to be prepared. Muang Thai Life Assurance has good information to share.

Green Plants to Enhance Workspace Atmosphere

Most freelancers usually use their homes or bedrooms as their personal offices because they do not have to pay extra rent as to save more money. Therefore, freelancers should have a corner for working and a desk that allows them to think and create brilliant ideas without limits. They may choose an area that is not crowded and has enough light, and keep their things on the desk neat and tidy to increase their work space. They may also find small indoor plants that help purify the air, such as dwarf snake plants that increase oxygen and absorb toxins, cactus that helps absorb radiation from computers, or common plants like variegated ivy that are durable, help purify the air, and absorb toxins in buildings. These can help change the atmosphere of a freelancer’s traditional work desk to be refreshing and pleasing to the eye, and make the mind clearer.

Items for Convenience and Confidence

Although most freelancers use their homes or bedrooms as their personal offices, when it comes to presenting work to clients, they must be prepared and bring 100% professionalism. But to do so, in addition to having determination, various items and technologies can help enhance convenience and make freelancers’ work more convenient.

• Presentation equipment may change from using a heavy notebook to a tablet that is easy to carry and provides the same sharp images. However, do not forget the device charger, monitor or projector cables, as well as storage devices such as external hard disk and backup devices.
• A bag for essentials - Freelancers should choose items that are good for their body and health, such as a bag that can help take care of your back or shoulders for long trips.
• Tumblers - If going out means drinking coffee or sweet drinks all day, you can also get an additional item like tumblers filled with water. This will help you take care of your health and reduce caffeine and sugar, which can have long-term health effects.
  

Savings for Unexpected Situation

Since freelancers have uncertain income, it is necessary for freelancers to plan their finances and expenses as much as possible, especially savings. Sometimes, wage is postponed and not always on time, unlike monthly expenses. Planning and preparing savings will help reduce risks and make freelancers’ lives smoother. It is recommended to calculate from monthly expenses and have 3-6 months of savings, which is enough to survive during times when there is no work or when you cannot get wage from customers. Moreover, do not forget to calculate some expenses that may cost a lot of money, such as personal expenses including travel expenses, drinks, or other hidden expenses like presentation, all of which have unexpected costs. Thus, savings is another very important thing for freelancers.

Smart Management with Application

It cannot be denied that mobile phones have become an important part of our lives. To make it better than making calls, sending messages to friends or finding a lover, we have a good application to recommend so that freelancers can manage their work smartly and not miss appointments or work that needs to be submitted.

• An appointment management application such as Google Calendar that will help freelancers manage their appointments and set the time to submit work efficiently because it has a notification.
• Task management applications have been developed. They help us plan our work and give us an overall picture of the work, such as task status. They can also store customer feedback in an organized manner and not be missed. To-Do-list applications are another interesting application because freelancers can put activities, so they do not forget. They can also set the time period for each activity. It has notifications, allowing freelancers to manage their time more efficiently.
• Application for recording messages/voices is important because freelancers do many jobs alone. Feedback from one job may be leaked to another job, which may cause damage. If we record messages or voices of customers for reminder, we can capture details that need to be improved much better.
  

Life and Health Insurance

Illness is a taboo for freelancers. However, with a lifestyle of working hard and not getting enough rest, they will fall ill before they know it. The more sick they are, the more works they need to do to earn money for medical expenses, which goes on endlessly. Therefore, having life and health insurance that meets the lifestyle of freelancers is very important because freelancers do not have the same welfare as permanent employees. When they get sick, they have to rely on their savings. However, having life and health insurance is like having coverage to take care of their medical expenses. Their savings will not run out on medical expenses that keep increasing every year. In addition to providing health coverage, life and health insurance is eligible for tax deduction of up to 25,000 baht according to the Revenue Department. As you can see, to be a happy freelancer, not only a good life planning, a plan to deal with illness is also an important matter. For freelancers who want to enhance their confidence when they are sick, Muang Thai Life Assurance offers you Mao Chai Extra Campaign that provides coverage from the first Baht of medical expense based on actual expense with lump sum benefit of up to half a million Baht. IPD benefit includes illnesses, surgeries, room fees, critical illnesses and common diseases.

Remark

• Coverage period of the rider must not exceed the coverage period of the life insurance policy that this rider is attached to.
• Underwriting is subject to the Company’s rules.
• Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
• Please study the details of coverage, conditions and exclusions before making a decision to purchase insurance.