As a freelancer, I’m pretty darn lucky. While my husband also freelances, doing web developer/design work in the evenings and on weekends, he still has a full-time job, which provides the two of us with both health insurance and some semblance of financial stability. It’s a luxury that I know many freelancers don’t have.

So my feelings were understandably mixed when, just the other week, Michael laid out his grand, master plan for leaving his job and starting up his own business with a fellow web developer. “We could probably have this set up within the next few months!” he said.

While I’ve been urging him to make such a move for what seems like eons (for the sake of his own sanity and happiness), my initial excitement was quickly tempered by sheer terror.

The items listed after the jump are concerns many of you have already had to take under consideration when planning your transition into full-time freelancer. Those of you who are freelancing as part of a pair may find my list especially applicable.

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