sandcastle

Stagnation is a very real threat, especially when you do creative work every day. Clients are only ever interested in what you can already do and repeats of what you have already done. (While I can’t speak from experience, I assume the same is true of employers.)

Doing just what is expected of you is an option, I suppose. But if you’ve already decided to go out and read blog posts about creativity, you’re probably not the sort of person to be forever content with the status quo. You want to level up, preferably on a regular basis.

It’s certainly possible to force yourself to level up creatively. You need to invest some time and take some risks.

  • Force yourself to launch new personal projects on a regular basis.
  • Find a way to work on the projects above your pay grade, even if it means acting as an assistant to the primary creative on the job.
  • Tell people what you’re doing so that they’ll hold you accountable.
  • Do work that scares you (in the risk-taking sense of the word, not in the working-with-bad-clients category).

Right now, I’m gearing up to launch something that will stretch my abilities in whole new ways. It’s pretty intimidating. But I keep telling more and more people about the idea, so it will be a whole lot scarier for me if people think I’ve given up than to actually finish the work.

Image by Flickr user williamcho

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Payment processing is something of a pet peeve for me. Getting paid through a site like PayPal is very convenient, but I have to give up 2.9 percent of my income (plus an added 30 cent fee) on every transaction. Consider what that means I’m paying:

Income Payment to PayPal
$100 $3.12
$1,000 $29.30
$10,000 $290.30

That amount doesn’t seem like all that much, but it only ever goes up even as the expense of having a bank account remains the same. I don’t feel like I get all that much for my money, especially since PayPal doesn’t always protect service providers from scams.

The real reason I still use PayPal at all is because all of my clients are familiar with the company. They mostly have accounts already and don’t have to think about the process of making a payment. I generally ask clients to pay with a check over sending a PayPal payment, though, or use Stripe’s integrations with invoicing tools to pay with a credit card.

In an ideal world where clients are willing to try new things, though, I would ask everyone to use Dwolla. Dwolla costs 25 cents per transaction (look at that adorable flat rate!) and has real humans in charge of customer service. Unlike both PayPal and banks (including my nice, local credit union), I’ve heard almost no stories of problems and even those seem to be either resolved to the customer’s satisfaction or be the results of misunderstandings. The main exception seems to involve using Dwolla to purchase Bitcoin, so I’m not too worried. About 35,000 businesses were using Dwolla as of June, along with several state governmental agencies.

Now I just need to convince some clients…

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