Photo by scragz.

Freelancing from home has many obvious benefits over working from an office. But it also has its downsides.

I don’t even know where to begin to describe my work environment, but it has two cats, two dogs, lots of chirpy birds and a few fish. There’s the occasional car passing by with thump-thumping bass on the stereo, too. But the worst is the over-protective younger dog who literally barks if I clear my throat too loudly. Many a time, I’ve had to re-record audio segments of a podcast or screencast as a result of her barking at phantoms. Heaven forbid anyone should knock on the door, setting her off in a tizzy of barking for many minutes. There are days when I don’t get much multimedia work done.

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Photo by seier+seier+seier.

Buying your first home can seem intimidating and scary, especially when the news is full of talk of mortgage crisis, and especially when you’re a freelancer without a steady paycheck to rely on. In fact, it can seem downright impossible.

The first time I was looking into buying a home, it was with my boyfriend: a nice, steady, engineer-type with a full-time job. I was freelancing lots of small gigs that added up to a nice income but didn’t look very reliable on paper. But we figured that with his undeniably reliable paycheck, a bank could be persuaded to give the two of us a mortgage.

Well, instead of buying our first place together, we broke up, and to me it looked like my hope of owning a home was gone, too. Sure, I was making money, and more every year, but like many freelancers, my income was erratic. I never had any idea what I would be earning more than eight weeks out. To make things worse, I had credit card debt and had been late a few times on bill payments. Plus, I’d never heard of a freelancer buying her own place without also hearing that her spouse had a steady job, or that the freelancer’s career was bringing in six figures.

Neither of those descriptions fit me, and wouldn’t anytime soon.

So, while I was digging into pints of ice cream mourning a broken relationship, I was also mourning the broken dream of homeownership. As far as I could tell, I was either going to have to wait for a (corporate) knight in shining armor, or save my pennies for about 20 years. Yeah, good luck to me. Continue Reading