12-06-2012
My interpretation of your post is that you are working approximately 40 hours a week for a single client, but don't have any of the perks of being a full time employee.
Since your employment can terminate without notice, you need to do the following.
One put 6 months living expenses in the bank. Remember that the extra money that you get weekly has to also cover benefits that an employee gets and are hidden.
Two, start finding a second client that requires only 4 to 10 hours per week. In the long term, you need to set your hourly rate at approximately two and half times what you think a reasonable salary would be.
Three, check the income tax act and sales tax acts to see what requirements, obligations and allowances you may have/incur.
Four, consider developing a product, its the only way you can leverage your hours.
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