Decide NOW where you want to be in 4-5 years and plan for the future. Figure out all of your costs and charge accordingly.
You will find that doing things properly (to code, paying taxes and insurance, proper licensing, paying yourself and planning for your family's future) is very costly.
Avoid the promises of future work mentioned above like the Black Death!
Strive to let the customer know up front what the costs will be for you to do the work they want. If it is out of their budget, give them cheaper options.
Use a payroll service even if it is just you working for now. They will file all the forms and pay all the taxes for you for a nominal fee (and keep you out of trouble with the government).
Search the archives here for many great ideas and opinions on just about every business topic.
Pat
