Archive for September, 2009

Sep 18 2009

E-Male Audio

Published by Kris under Current News

2-of-deadliest-audio

Just found out that this book has been released as an audio version by Books on Tape (a misnomer these days).  Haven’t had a chance to listen to mine yet.  It’s always fun to listen to one of my own stories read by someone else.  They emPHAsize things I would NEVER expect, and miss THINGS I would emphasize, so I always learn something.  Fun, fun, fun.  You can order it here.

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Sep 17 2009

Freelancer’s Survival Guide Setbacks Part 3

survival-guide-cover

Artwork donated by Pati Nagle.

The Freelancer’s Survival Guide: Setbacks Part Three

Kristine Kathryn Rusch

Once again, we’re talking about setbacks and unless something goes really wonky, or someone asks a very good question, this should be the last time.

In the previous two weeks, we covered all kinds of setbacks. I divided setbacks into four types:

1. Financial

2. Mechanical/technical/production

3. Physical

4. Emotional.

Part one dealt with financial and mechanical setbacks. Part two dealt with physical setbacks. Which leaves emotional setbacks for part three.

In some ways, emotional setbacks are the most difficult setbacks of all. You can blame outside forces for each of the previous three setbacks. For example, you ran into trouble because the economy collapsed. Or because your biggest client didn’t pay you. Or because someone sold you tainted spinach to sell to your grocery store customers.

And whose fault was Hurricane Katrina? Even if the government had responded quickly, the hurricane would have still hit the Gulf Coast, ruining countless businesses.

Sometimes someone else truly is responsible for what happens to you—whether it’s an Act of God or whether it’s someone else’s incompetence.

And sometimes, setbacks are your fault.

Face it. We all make mistakes. Sometimes we make doozies. The mistakes might be the result of ignorance or overconfidence, arrogance or inexperience. Whatever the reason, the best thing we can do is own up to our mistakes, and not make the same mistake again.

The problem, however, is that you will have an emotional response to any setback that happens to you. Sometimes that response will be relief, which means that you shouldn’t rebuild your business in the way that it was before. (Or you shouldn’t rebuild it at all.)

But other problems lead to other reactions.

In addition to the physical crisis caused by Hurricane Katrina, that disaster also created emotional setbacks. The survivors grieved. They lost their homes, their businesses, their communities. In many cases, they lost relatives as well.

Grief is a real, powerful, and sometimes crippling emotion. The grief books (and there are many) recommend going easy on yourself and understanding what you’re going through. Survive it, the books say, and eventually you’ll feel better.

Which is all well and good when you have a day job that allows you to take personal time or a job that doesn’t require your attention every minute of every day. But imagine what it took for these folks to rebuild their businesses and their lives while grieving. They didn’t have time to go easy on themselves. They had to work through the grief.

Many people who suffer physical setbacks actually postpone the emotional reaction to it. For some reason (and I’m not a psychologist, so I’m not sure what the reason is), some people can hold back their emotional reaction until a more appropriate time. Soldiers, police officers, and firefighters do this routinely.

The problem is that when the actual physical crisis ends, the emotional reaction begins. And it’s a powerful reaction—all the more powerful because it waited to come out.

That’s when you’ll hear people apologize for “unnecessary” tears, for “emotional” outbursts, for “inappropriate” anger. The emotional reaction is part of the physical setback, and needs to be treated that way. If you skip it—and people do—then the emotion will come out in other ways. Many sufferers of post-traumatic stress disorder never had time to deal with the emotions during the crisis, and so have to deal with them when the crisis is over or face a crippling unpredictable reaction.

If you go through something severe, like we discussed in the previous two parts—a fire, a flood, the loss of everything, complete financial collapse—get some counseling as well. You’ll need some kind of support to get through the emotional aftermath, whether that support is through your faith, your friends, or your therapist.

But what of emotional setbacks that have no relationship to the first three setbacks? In some ways, these are the most difficult of all. Because, as much as we like to think we’re an understanding culture, Americans prefer to ignore deep emotions. We don’t want to hear how sad someone is or how angry they became. We might listen sympathetically to the first time the story gets told, but if the teller doesn’t recover quickly (and we each have a different definition of quickly), then we avoid the topic or worse, avoid the teller altogether.

We have a pick-yourself-up-by-the-bootstraps mentality, and that often means that the people around you expect you to recover right away. The flip side of this are the people who allow one setback to destroy their lives. They find like-minded individuals who never get past whatever it was that destroyed their lives, and they spend the rest of their lives reliving it.

Most people in that second group don’t have the physical or emotional stamina to own their own business. But most people don’t fall into that category. Most people can recover, given time and support. Both of those things are difficult to give, which is why I recommend that people in crisis get professional help whenever possible.

Generally, the negative emotions cause the most setbacks—although not always. I’ll end on a positive emotion that can cause the most trouble of all.

Here’s the problem with emotional setbacks, however. Unlike fire that destroys a business or financial meltdown that destroys nest eggs, emotional setbacks aren’t always obvious problems. Something emotional that will destroy me won’t even bother you and vice versa. Something in our individual make-up causes one type of emotion to hook itself into one person, and not bother another person at all.

Take anger. Some people can’t abide anger. They fear it. They avoid it in themselves. I’ve known people who quit jobs because their boss had a quick temper. I used to work for a man who broke phones when he hung up. I worked for a woman who threw dishes while screaming at the top of her lungs. That bothered me, sure, but not enough to quit.

But liars, backstabbers, and manipulators? Whenever they appeared at any job I worked, I quit in an instant. I can’t abide people like that, and the smallest incident involving me will make me run from that person forever—paycheck or no paycheck.

Why did I call this difference between people a problem? Simple. Something that might bring you to your knees might strike your best friend as hilarious. It’s not that your friend is insensitive. In fact, your friend might be the first on the scene with money and a place to stay if your home and office were leveled in a tornado. But have an emotional tornado, and that friend might not understand what you’re going through at all.

When the people around you don’t understand, you start questioning your own reaction. Are you overreacting? Are you too sensitive? Are you, in fact, being silly?

Probably not. You’re having an emotional setback, and unless you figure out a way around that setback, it might devastate you and your business.

Signs of a severe emotional reaction: inability or lack of desire to go to work, crying jags, extreme (and seemingly unprovoked) anger, and/or something the psychologists call emotional lability—excessive emotional reactions and frequent mood changes.

If these things are happening to you, you’ll need to figure out the underlying cause, and find a way to release that emotion or to deal with it or (worst case) to block it.

Sometimes, as in the case of grief, you’ll just need to endure until the emotional reaction lessens. Time really does heal, although it’s hard to realize when you’re in the middle of it all.

Often, in the case of emotional setbacks, you’re experiencing a problem, but you don’t know why. You’re less enthusiastic about work. Your habits have changed and you don’t know why. You have no joy in something you used to love.

In fact, you may find yourself looking for a way out.

Sometimes that’s a legitimate response to a business you thought you’d like, but you didn’t understand or you don’t like as much as you thought. Maybe there’s more drudgery than you were prepared for or maybe you’re not suited to the day-to-day tasks of the business. That’s a different issue.

What I’m dealing with here is something more subtle. You’ve been working at your business for a long while now, and up until lately, you’ve enjoyed it. Then something changed.

Usually what changed is an event that precipitated an emotional response. So let’s look at some of the more common negative emotions and the way they can manifest in your business.

1. Fear. Fear is insidious. It paralyzes, quite literally. If you can’t get anything done when you used to get a lot done, you might be suffering from excessive fear.

Some of us were raised to be fearful, so this is a natural state. My parents suffered some extreme financial reversals when I was a little girl, and they taught me (through their actions) to quit when the going gets rough. I’ll give you one example:

At twelve, I was the best swimmer in my age group at the YMCA, where the local pool was. I won every race among our group. So I represented our group in an actual race against other groups and as I was swimming, I realized I was half a length behind some other girl. Instead of pushing harder, I climbed out of the pool, claiming I didn’t feel well. My parents let me. They took me home, and we never spoke of that race again.

As an adult, I now realize that my coach had the proper response: Get back in the pool! You’re not sick! Keep swimming! But to me, losing was worse that quitting, so I quit.

I often wonder how different my life would have been if I continued. But my parents, because of their own reversal of fortune (and their reaction to it), told me later I clearly wasn’t a swimmer or an athlete. I shouldn’t try any longer.

I remained paralyzed with fear over athletics until my late 30s, when I realized that I could finish swim races. Sounds like a minor thing, but it was pretty major for me. Overcoming that fear led to all kinds of other activities, and gave me strength in my writing business.

A lot of us were raised to be perfect, to make no mistakes, so we live in fear of mistakes. We make a single mistake and we freeze, afraid to make another. Instead of charging ahead, we don’t do anything.

That’s why fear is insidious. You’ll lose your opportunity or your advantage or your business because you’re taking no action at all. And it’s always better to take action, even the wrong action, than it is to remain motionless.

So if you suddenly can’t get anything done, ask yourself what you’re afraid of. You might be surprised at the result.

2. Anger. My favorite emotion. Really. I get a lot done when I’m angry. In fact, anger breaks me out of fear (usually anger at myself). While anger is a driving force for me, it’s a paralyzing force for others. Some people—especially women of a certain age—were raised to suppress their anger. Anger was an unacceptable emotion, so they weren’t allowed to express it.

If you can’t express anger, it comes out sideways—either in snide comments or passive/aggressive behavior. Better to figure out who—or what—you’re angry at and confront that person in a non-threatening manner, than to continually punish them with verbal asides or hurtful behavior. Particularly if that person is a client.

Here’s the problem with anger, though. It can easily turn into uncontrollable rage. I had to learn how to control my anger and turn it into a positive force. My ex-husband gave me a metal garbage can and told me to kick it every time I got angry over a rejection. Believe it or not, that worked. I loved that can. It dented easily, so I could see the damage. And then I could calm down and write another story or deal in a dignified manner with the person who made me angry. A therapist told me once that she has her clients punch pillows when they’re angry. It gets the violent part of the emotion out, she said, and leaves the constructive part.

It’s really not good to own a business with employees and be a shrieker or a person who smashes phones. Extreme anger directed at employees can get you in trouble with the law these days. Better to find a constructive way to deal with it, and then move on.

Sometimes that constructive manner is to get the emotion out, and then fire the employee. Or tell the client you don’t want their business any more.

Getting rid of the object of your anger will often make the anger go away.

3. Betrayal. This one’s hard. Betrayal happens in all kinds of ways. A trusted employee goes to the press with lies. A client badmouths you to other clients. A friend tells your confidences to others who really shouldn’t know.

If the person who betrayed you works with you, then often you don’t want to go to work, even if you own the place. It’s easier to avoid that person than it is to confront them about their behavior. And it’s easier to avoid work than it is to get rid of the person who hurt you.

Often the best thing to do in the case of betrayal is to take the person who caused the hurt out of a position to hurt you. Don’t confide in that friend any more. Fire the employee who went to the press. Refuse new projects with the client who badmouthed you.

And otherwise, don’t engage. Let the incident fade into the past. That might seem hard—and it is, initially—but after a while, it gets easier. And then it becomes unimportant.

I wouldn’t have believed that last twenty years ago. But I’ve experienced it. And I learned something else.

People forget.

So often we worry about our reputation. We worry that people will misjudge us or damage our reputation. (Or maybe we damaged it.) Here’s the funny thing: Most people never notice. If the harm to the reputation is severe, repair what damage you can and then go on. Over time, it’ll be a small part of your resume if it’s there at all.

I haven’t edited for 12 years. Recently, a friend of mine interviewed me for a short profile that will appear in a science fiction magazine in a few months. This friend is a student of the field and has known me for at least fifteen years.

He asked me about my writing, about the various genres I publish in, and then asked if I thought we needed to cover anything else. Since the interview was going to go into an sf magazine, I said, “You’ll probably want to mention that I won a Hugo for editing The Magazine of Fantasy & Science Fiction, and that I used to own (with Dean) Pulphouse Publishing.” He laughed, and asked (rhetorically) how he could have forgotten.

He forgot because I haven’t done it for so long.

When I was editing, people used to forget that I was also a writer. They see what they want to see—or what you present to them.

Recently, Dean and I asked various writers with long publishing careers how many crashes they had. All of them answered with at least three. Now these folks were close enough friends that we could even broach the question without apology, and with the exception of one friend, we hadn’t seen any of those crashes. And we try to stay current with other people’s careers.

Things you think might have an impact on your reputation probably won’t harm it at all.

Betrayals that have an impact on reputation probably aren’t as severe as you think. Betrayals that are personal will probably make you angry or upset for the rest of your life. But you can’t let them make you bitter. Take constructive action against the person who hurt you, and then move on.

4. Failure. I’m going to do a longer section on failure in the next few weeks, but failure deserves some mention here. Often we feel like failures when we’re not failing at all. What’s going on?

Usually you’ve failed in a personal dream or goal. Or you’ve perceived a failure where there is none. Sometimes it’s a simple as attitude.

As a friend of mine says about his wife, she sees a black cloud in every silver lining. I can be that way as well. If twenty-five good things happen today and one bad thing happens, I’ll focus on the bad thing. Many people are like that.

When we do workshops, I make the students write down the good things we say about their work as well as the bad things. In fact, I harangue them until they do so.

That’s because we often don’t hear the compliments. We’re looking so hard to improve that we never see what we’re doing well.

If you take an attitude of one mistake is failure into your business, you won’t survive. You really do need to think positively, even if you have to make lists to keep yourself on track. I write down every good thing that happens in my business in my calendar, so when I get into a failure funk, I look back and see the good things. It helps. It really does.

5. Success. As with failure, I’ll do an entire section on success, but it deserves a mention here. Success can sometimes cause an emotional setback.

I know, I know. You’re all shaking your head.

But here’s what happens.

You have a goal which you thought was unattainable. That goal is what drives you deep down. You are striving to meet that goal, thinking it’ll keep you going for the rest of your career and then, suddenly, you attain it.

You’ll stop working. You won’t know why. But you’ve just lost your driving force.

I’ve seen this happen countless times. With writers, the goal is usually publishing related. Some writers quit when they sell their first story because they met their goal. Others can’t go on after their first (and therefore only) New York Times bestseller.

What you have to do in this circumstance is reset your goals. That’s not easy, and if you need an unattainable goal, you’re going to really have to reach for the stars.

I can’t tell you how many people I know have quit because they attained their driving goal. So if you’re having trouble working and you just had a major success, it’s time to re-evaluate where you are and what you want from your career.

Emotional setbacks are as real as any other kind of setback. They’re sometimes harder to identify, and often harder to overcome. But you can do it.

My philosophy about any kind of setback is simple: It doesn’t matter how many times you fall down. Nor does it matter how long you remain sprawled on the floor. The only thing that matters is how many times you get back up.

The key to setbacks is twofold: expect that you’ll have some over the years, and figure out how to survive them.

And if you really want something, you can survive anything.


As of today’s section, I’ve been posting the Freelancer’s Survival Guide for exactly six months without a miss. A lot of you have followed the guide from the beginning. You’ve sent great e-mails and made marvelous comments. Many of you have sent $5 and $20 there. Thank you all. I wouldn’t be doing this without you.

“Freelancer Writer’s Survival Guide: Setbacks Part Three” copyright 2009 by Kristine Kathryn Rusch.

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Sep 16 2009

New Interview on Gaming and Books

Published by Kris under Current News, On Writing

The website Grinding to Valhalla just published an interview with me about RPGs and gaming and its relationship to publishing (in my career, anyway). You can find it here.

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Sep 14 2009

Flower Fairies

Published by Kris under Current News

flower-fairies

My story, “Flower Fairies,” has just appeared in the new issue of Realms of Fantasy.  If you haven’t seen Realms in its new incarnation, you should take a look.  Lovely as ever, but with more readable type. You can order copies here or find them on your newsstand.

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Sep 10 2009

Freelancer’s Survival Guide Setbacks Part 2

survival-guide-cover

Artwork donated by Pati Nagle.

The Freelancer’s Survival Guide: Setbacks Part Two

Kristine Kathryn Rusch

Last week, I wrote about setbacks. As has always been the case with these topics, they’re more involved than I initially plan. Sure, I can write about setbacks in 2000 words, but I can’t write about them in depth.

So I started in-depth last week, and I got through two of my four categories. Let’s see how far I get this week.

To review, I listed four major categories of setbacks. I know, I know, there are a million subcategories, but I can’t deal with a million, not and retain my sanity.

The four major categories are:

1. Financial

2. Mechanical/technical/production

3. Physical

4. Emotional

If you want to review the first two, check out last week’s post. Let’s move directly to the third setback.

3. Physical Setbacks. Physical setbacks find many forms, but they’re always caused by something outside your freelance business acting upon your freelance business.

Some are things the insurance companies call “Acts of God.” Fires, earthquakes, floods, tornados, hurricanes are all “Acts of God.” You can insure for most of them—you need special insurance for floods, for example—but insurance doesn’t stop the setback. It only ameliorates the damage.

Let me explain what I mean. Before I met him, my husband Dean Wesley Smith lost his house to a fire. The fire started in a control panel, and had he been home that day, he could have stopped the damage. But he was out of town, and arrived at the house in time to see the fire department hosing off his collectible books in the front yard.

Dean has always been a big believer in insurance, and he was fully covered for the damages that occurred that day. He got reimbursed for all the lost items, including the collectibles, but some problems that occurred from the fire couldn’t be fixed.

In those days, Dean wrote on a typewriter. He lost dozens of manuscripts, many single copies of his publications, and some works in progress. He was too traumatized to go back to the works in progress, even though he could have reconstructed them from scratch, but the lost manuscripts were another matter entirely.

You see, after writing for some time, we writers don’t remember our early works very well. Just the other day, I found a story I had forgotten I had written. Last year at Worldcon, a publisher asked to reprint a story I hadn’t though of in nearly 20 years. I reread the story, realized that now I would write it differently, and looked at it as an artifact of another, younger version of Kris. Just as valid, but very, very different.

Most businesses would have some of the same problems. If the collectibles store that we sold a few years ago burned down tomorrow (God forbid), many rare items would be lost. The owner is insured, but the hard-to-find items would be impossible to replace.

Events like this take an emotional toll, just like financial and mechanical/technical/production setbacks do. Even now, reminders of the fire make Dean take a deep breath. We’ve been clearing our house of unwanted possessions as we move our offices this summer, and we found the dishes that Dean had managed to save after the fire. He waved a hand, said, “Get rid of them,” and then, not an hour later, changed his mind. He couldn’t bear to part with something he had worked so hard to save.

Here’s the thing about physical setbacks: There’s the event and then there’s the aftermath.

The fire took place in a single day. Dean can still tell you the exact date. But the aftermath took years.

For a larger example, look at Hurricane Katrina. People all over the Gulf Coast lost homes, but they also lost businesses. Areas remained closed for months. Some of those businesses—although insured—never reopened. Some are still being rebuilt.

Imagine losing four years of your life to rebuilding your home and business. It takes a special kind of person to dive in all over again. You have to rebuild your life, of course, but you don’t always have to rebuild it in exactly the same way.

Sometimes the physical setbacks don’t even have to happen to you or near you. When the planes struck the Twin Towers on 9/11, Dean and I were at home in Oregon. Yet that single event caused a huge ripple through publishing, which is based in New York.

My main publisher at the time was located an area near Ground Zero, an area that was shut down by the city for more than a month. My secondary publisher lost a number of people in accounting, including the main person who signed the checks. Dean has similar stories.

We did not receive any of the monies owed to us from New York for more than six months after 9/11. We didn’t get paid on our contracts—money due to us that September—until March of 2002.

That was a financial setback for us, but it was caused by a physical setback, and my brilliant husband saw it coming. (If you’re ever in a disaster, you want Dean at your side. He can see all the implications immediately.)

While I watched television, horrified by the events, and worked the phones and the internet to see if our friends and colleagues were still alive, Dean piled a bunch of collectible books into our van and drove two hours to Portland. He went to Powell’s Bookstore and traded those books for cash. Good thing he did: Powell’s shut down its trading arm the next day for some time (a month, I think) and as I said, we didn’t get paid for six months.

We didn’t need that thousand dollars on 9/11, but we sure needed it in the weeks that followed. I would never have thought of that, but Dean did, and he acted swiftly.

It’s tough to act swiftly in a physical crisis. If the crisis is happening near you or to you, you often can’t act swiftly. You’re involved in the event, and then you’re surviving the aftermath.

Sometimes the very nature of the physical setback—such as Katrina—will cause the aftermath to seem very much like the event. The trauma will continue for some time before recovery can even start.

There’s another kind of physical setback, one that can be as bad or worse. You get hurt. If you’re the sole proprietor of your business and have no employees, you suddenly have no ability to work either. Even those businesses with employees might not be able to go on for very long without you, because you might be the only one with check-writing ability or the ability to find the jobs or the vision to keep the business on track.

Just this afternoon, I was talking with our gardener. He’s a strong and able man, who gets more work done in an afternoon than I can imagine. He has at least three employees.

On Friday, he was cutting down a holly tree with a chain saw on one of his many job sites. He inspected the tree before cutting it down, looked the area around the tree, and saw nothing amiss. Then he fired up the chain saw and started cutting.

The sound of the saw awoke yellow jackets, which had nested in an underground hollow. He said, “I looked up and saw at least 600 of them heading right toward me.”

He jumped, with the chainsaw still going, off the incline he was working on and ran for his truck. Halfway there, he realized the yellow jackets were going for his green shirt, so he pulled the shirt off. Many of the yellow jackets stayed behind, stinging the shirt.

The rest came after him.

He was stung at least 35 times.

To make matters worse, he’s allergic to the stings. His assistants drove him from the job site to the nearby hospital, a drive of less than five minutes, and he could barely breathe by the time he got inside the emergency room.

So what did he do?

He took the weekend off. But he was back to work on Monday. He’s still puffy, and he says he’s downing Benedril like crazy, but he’s working.

The man should be at home. He should be recovering. He should be resting and taking care of himself. But as he says, it’s his busiest season. He can rest when the rains start in November.

Until then, he’s moving through the pain.

His assistant, who helped him get to the hospital and who is at least twenty years younger, is astonished by this. But his assistant doesn’t own the business. He doesn’t know how important it is to keep working. The assistant—like so many employees—would have the luxury of taking the time off.

Sometimes you can’t keep working. Sometimes you have to rest. Sometimes you have to recover. I often say—only half joking—that I could get hit by a bus tomorrow. But I could. And depending on the damage, I might not be back to work for months, if ever.

One more story, and then I’ll quit and get to the bullet points. At the age of nine, I fell off my bicycle and landed on my face. I have a lot of physical scarring. Most people don’t notice it, but the scarring is severe enough that most plastic surgeons when they meet me, wave a hand around their face and say, “I can fix that for you if you want.”

(I don’t want. What I do want is for plastic surgeons to leave me alone.)

I have never fixed the scars, but the teeth needed repair. I had knocked out my front teeth which were, unfortunately, my permanent teeth. First I had them capped, then they got recapped twice in my twenties. All of these procedures were supposed to be permanent. In my late thirties, the dentists just replaced the front teeth entirely. (That cost money, since I can’t get dental insurance because of my pre-existing condition.)

After the first surgery to replace the teeth, I spent a day or so on my back. I’d had dental surgery before, and I planned for those two days off. The third day rolled around, and I stumbled to my desk. Then, I began to cry. I couldn’t remember how write. I thought something in my brain got damaged in the surgery.

Turns out that certain extremely strong pain pills block parts of the brain from communicating with each other. I could want to write, but I couldn’t quite figure out how.

I stopped taking the pills. I’d rather hurt than not write. I’m a person with a very high pain tolerance. I can go without pain pills for things that knock most people over.

Most folks wouldn’t have been able to forego the medication, and what should have been a few days off might have become weeks.

So how do you handle physical setbacks?

A. Plan for them.

I know, I know. How do you foresee a disaster like Hurricane Katrina? You don’t exactly. (No one could have predicted the bungling that made the results of that storm even worse.)

But you do know the Acts of God that threaten your part of the world. If you live in Southern California, for God’s sake, get earthquake insurance. If you live on an historical flood plain, pony up the extra money and buy flood insurance.

Make sure you’re insured for fire and make sure you have a business rider on your home owners policy. (See the section on insurance.)

Insurance isn’t enough, however. Most of us, no matter what business we’re in, do some work on computer. Store your back-ups off site. I keep one current back-up of everything in the car and older back-ups in our storage unit, far from our house.

I’m putting my publications in order as well, and when I have enough, I store the extra copies in the storage unit. That way, if something happens to our house, I can reconstruct most of my published material. I won’t get all of it, but I’ll get some of it.

Store financial records off-site (in a secure location) and store other important things off site as well. For example, in my computer meltdown earlier this summer, the one thing I didn’t back-up was my e-mail addresses. I’m still reconstructing those.

In fact, you’ve seen the results of that tiny physical setback all summer if you’ve been watching my website. I’m still behind on posting things. I lost two weeks of computer time I didn’t realize that I couldn’t afford to lose.

You can bet I won’t make that same mistake the next time.

B. Assess the damage as quickly as you can.

If you’re lucky, you have a mind like Dean’s, and can foresee future problems on the day the event occurs. Most of us don’t think that way. But as soon as you can, dust yourself off and take stock. Look at the extent of the damage and figure out what it will take to fix everything.

Don’t just look at the financial impact. Look at the physical one. Must you rebuild your office? Can you rent an office suite? Are you living out of a hotel? Did the doctor find additional problems in that exploratory surgery?

Get estimates from contractors, talk to your physicians, and then take their timelines and double them. Assume that as the rebuilding happens, something else will go wrong. If you plan for a long setback (like Dean did on 9/11), you and your business will survive the crisis.

You also need to figure out if you’ll be able to work during the rebuild. Can you supervise construction and continue your legal practice? Are you clearheaded enough to continue offering therapy to your clients?

These are important questions, not just for your future, but for the future of your business.

C. Expect a long aftermath. Yes, I just dealt with the length of the physical aftermath, above, but there’s also an emotional aftermath. When my father died, I couldn’t work for an entire month. Even though writing was my escape as well as my business, I couldn’t get a word on paper. I was grieving and grieving hard. I was trying to make sense of a world without my father in it. It took me some time to reorient myself. I finally got back to work, but I didn’t get up to speed for nearly six months.

Dean was still having trouble working when I met him a year after the house fire. The loss of his manuscripts had devastated him. He got work done, but he had trouble believing it would last.

Severe physical events cause emotional trauma. Expect it, be kind to yourself when it happens, and if need be, get some professional help to overcome the most serious effects. You’ll be glad you did—and so will the people around you.

D. Be honest with yourself. Physical setbacks are often opportunities in disguise. Maybe you felt trapped by your at-home business. Maybe you actually hated going to the store every day. Maybe you aren’t really fond of plumbing after all.

If that’s the case, use this loss as a chance to start over.

If you still love your work, you might have developed bad habits or overspending. This setback might be the time to rebuild the way you should have built the business in the first place.

Be honest about the business’s flaws and try to fix them as you rebuild the business.

E. Be realistic. Will the insurance money be enough to rebuild the business? Will your savings cover you while you’re recuperating from major surgery? Make sure your assessment of these crucial things is honest and straightforward, and a bit on the pessimistic side.

It’s always better to plan for the worse case scenario. That way, when things aren’t as bad as expected, you’re actually ahead.

F. Find a way to replace the lost income. During the rebuilding period, you might have to get a day job to tide you over. Do so as quickly as you reasonably can, so that your basic expenses are covered. This is not a failure. Instead, it’s another forward step toward getting yourself and your business back on your feet.

Physical setbacks are a lot more powerful than we give them credit for. They last longer and are often harder to overcome than anyone expects.

Like other setbacks mentioned in this subsection of the Guide, you will have a physical setback at one time or another. You need to plan for any that you can foresee. The better your planning, the calmer you are in the face of adversity, the quicker you will recover.

I guarantee it.

There’s more of the Guide than I expected. Who knew freelancing was such a big topic? Certainly not me. I’ve been at it for almost six months straight without a miss (despite a mini setback or two of my own). If you find this Guide helpful, please forward it to others who might need the advice as well. And please donate a few dollars to keep me going, maybe as much as you would spend for a book or a workshop. Thanks.

“Freelancer Writer’s Survival Guide: Setbacks Part Two” copyright 2009 by Kristine Kathryn Rusch.

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