The excitement of September was followed by new challenges and struggles. Onward, I merrily stumble, minus my gallbladder.

Income is surprisingly up, despite the time I spent recovering and working to woo a new client. I had surgery to remove my gallbladder, the malfunctioning organ sent me to the hospital twice in the past year. So, I’m glad it is gone. Yet, I was not too happy to take the time off for recovery. I’ve done this freelance rodeo before with video. When you’re not working, you’re not earning. Ironically, there were no sick days for me because I am self-employed.

Secondly, as noted below, I put some time into some test pieces for a new opportunity. I can’t express enough gratitude to Adam Dachis for believing in me and giving my name to a publishing company with several blogs. I’ve gotten some positive feedback from them, but the process has been stalled by changes happening with their publications. Thus, I have no income to report and I cannot count them as a client, at the moment. Regardless, it has been a good experience for me.

As David Coverdale sang, “Here I Go Again”

I knew that this experiment would have its challenges, but this past month I’ve come to realize that they are very familiar. As I said earlier, I was a freelance video editor before. I still call myself an edito

r, but I did a lot more to survive. I shot videos and conducted interviews. I guess I was producer, sound, camera and editor. When I made the move to Canada, people encouraged me to go back to freelance video. I felt a new business and building a new network would put a strain on my new marriage. We like each other and want to spend time together, not be roommates who occasionally run into each other.

Now, I find myself starting a new business and creating a new network of clients for writing. Oops. This realization has given me pause. If I’m going to take on those challenges, why not do it in the field of video that I know? Additionally, that work would pay much more. It’s a compelling argument for which I don’t have a decent rebuttal.

New challenges are always more alluring, though nobody enjoys stress, right? My former video work was stressful. It’s not hard to look back and see that. While switching careers is stressful as well, it’s new. There’s no baggage. Originally, I came to a bigger city hoping to sell myself exclusively as an editor. However, I didn’t have much luck. Going freelance as a video professional also means gear, and wearing all those hats of sound, producer and camera man. Those jobs were always the source of stress and distraction from my passion of editing.

In a way, video editing is like writing because it is all about crafting stories. Unfortunately, it pays a lot less. Though, it isn’t just about your job and pay. Currently, writing from home means less anxiety and stress in my life. Being my own boss has some stress, but I can go take a walk, clear my head and come back focused. I can work around my spouse’s schedule or grab a pen or a laptop and work when inspired. Writing isn’t perfect, but so far I’m enjoying the experiment.

Progress

Business never goes viral. The internet is the new Hollywood. For years people always wanted to “be discovered.” Actors in Hollywood just wake up one day and experience success, right? No, they work hard to get there. We never talk about that. The same goes for the web, and app developers. A year ago, I helped client uno start a blog. We are finally getting some attention from advertisers and people who want to be featured on the site. I think it is pretty exciting.

The Asterisk & Other Income

I effectively auditioned for a new client with two pieces I wrote. I spent some time interviewing 2 people, doing research and even making a recipe and taking photos. Unfortunately, one of the articles was turned down. It was the classic, “it’s not you, it’s me.” I was told the blog that I was testing for was being discontinued. As I mentioned before, this new organization is going through some flux. I don’t have any feedback on the second piece, yet. It’s been 2 weeks, I’m thinking that’s not a good sign. The plus, is that I’m confident I can shop both of these pieces around to other publishers.

Once again, I’ve got some income from Patreon thanks to our podcast, Montreal Sauce. I wrote a few things for the Patreon page, but didn’t publish as much as I would have liked. At least, I got the content written, I guess? I just need to schedule some time in my calendar to get these things in my routine.

Monthly Summary

My spouse has been teasing me that I seem to work more than she does now. However, now that I’ve been tracking the hours, it’s obvious that I’m not full time. The invoices that my total income represents were for a 5 week period. If I was full time, I would have worked 200 hours, not 71. My spouse actually enjoys having me as a kept man, home taking care of dinner, cleaning, laundry, dishes and the like. I’m not opposed to working full time, if you’re hiring writers! That would just require an adjustment to my work/life balance. Right now, we’re happy.

Seeing the hours of writing and research in the stats means doing that nasty equation to figure out an hourly rate. So, this stud made $11.54 an hour in October. It doesn’t sound flattering, but it is about work/life balance. It’s about the benefits, just as much as it is about money. I many not have a retirement plan or health benefits, but I have flexible time. That’s pretty great. I’ll continue to improve my writing skills, speed and get better at the craft. Hopefully, these posts will continue to show progress in that direction.

September has been an awful moment for my wallet, not because of spending but because clients and employers can't pay American me in Canada. Previously, a client had me sign up for a Chase service which I connected to my US account with another bank. Chase recently decided to say goodbye to freeloaders, like me, who weren't doing any banking with them. So began a month of stress, frustration and absolute disgust with customer service, computerized systems and the US, in general.

I'm a US citizen, but a legal resident of Canada. No matter what I do, I always have to file US taxes. Every other country in the world, has you file in the country of residence. Not our beloved USA. Thus, I changed my official address at my US bank account to Canada. I didn't want to appear suspicious by having a US address and also claiming residency in Canada. My bank assured me that they were fine with this arrangement.

My US bank account is a nice thing to have for traveling back home to visit. It's also necessary to pay off my student loans. Thus, I was getting paid by my US clients into that account and paying my student loans. I'm very thankful that friends in my professional network have stuck with me and cho se to employ me despite the move to Canada. It can complicate things for them and they're taxes as well.

While my problems this week are somewhat tax related, it really just comes down to getting paid. Despite having these computers in our pockets, banking is still in the dark ages. Well, I should rephrase that. American banks are in the dark ages. The security of the chipped credit card just reached the US last year? It's been a staple in Canada and other countries for close to a decade. (Plus, the US chip system never seems to ask me for my pass code. That's one of the most secure functions of it!) We hear about fabulous apps to send/receive money like Square Cash or Google Wallet, but they're US only.

"Where's the problem? You have a US account."

My address is Canadian. It's like living in a post Y2K world, where computer systems were never updated to do a 4-digit year. I literally cannot type in my postal code. I cannot choose my province from the dropdown menu. And "Heather," Google's help desk person who obviously has English as a second language because she's most likely not working at the Google campus, cannot help me because that's not in her script. Indeed, another friend talked to a family member who is at Square to help me out, and it was also a no go. Many friends suggested Freshbooks. It turns out they're based in Canada, surely they can help! "When you add your bank account, just put in a US address, not a Canadian one." Why didn't I think of that? Just lie. I'm sure that will work out for me. "News at 11: IRS Finds Canadian Terrorist Cell Using Freshbooks."

Meanwhile in Canada and Europe, I've seen a number of methods to move money across borders. Here, there a number of immigrants, like me, sending money home. Wire transfer services, apps and websites can move money just about anywhere. The exception is the US. Obviously, Europe has mostly open borders and these things are a daily occurrence with your neighbor. The US and Canada are neighbors, right?

The Tax Shelter That Is Chris

The reason I am having so much trouble is because I'm a person, not a corporation. Wait, aren't corporations people now? Does it work the other way around? Am I Burger King? Did I move to Canada to escape the evil US taxes? Well, since I now have to file for taxes in two countries, hell no. Yet, that's really how I am being treated, as a criminal.

The assumption is that I fled to Canada to escape taxes. It wasn't love, happiness or any other ridiculous notion. I'm a US citizen, and complete criminal element. The thing that really gets me about the whole situation is that we live in this weird, new sharing economy. Again, sharing is in reference to the peons, us people at the bottom rung. The Uber drivers are so very happy to make their own hours and a living driving a car. The execs at the top of Uber are still playing the age old capitalism games and could care less about the sharing economy. Perhaps young startups begin with the sharing ideals, but they take on shareholders and fall into the well.

Fees, Fees, Fees A.K.A. PayPal

Search "don't use PayPal," or the classic "PayPal sucks" and you'll find a load of reasons to steer clear of them. You may even find a 14 year old rant by yours truly. I had a falling out with the service and have never used it or it's partner in crime, eBay, ever again. Guess what? It does actually work in Canada and the US. Despite my misgivings about the company, things are looking brighter, right? Setting the past aside, no. Things are probably going to get uglier.

When I made t-shirts for our podcast, Cotton Bureau only accepted PayPal, but wouldn't let me connect my account. It was that Canadian address issue again. Damn me for being an upright citizen and not lying. So, I signed up for a Canadian PayPal account.

My Canadian bank account says I can get a US account with their bank in the US and move money between the accouts without hassle. Sign me up! "No, you actually have to go to a US branch and sign up." Shoot me now. Instead, I opened a US dollar account here in Canada. Any US dollars I put in it are mine, without conversion! So, Canadian account plus Canadian PayPal, but payments in US dollars coming to a US dollar account! I win. Except for all of PayPal's fees that I can't list here because they're completely obfuscated on their site.

Oops. I celebrated too soon. It's a Canadian PayPal account. PayPal charges a fee for converting USD to CAD and vice versa. They really want that fee. Now, my option is to get paid, convert the USD to CAD and deposit it in the USD account which means another conversion by my bank. Or take the conversion into my CAD bank account. Tell me again, how I will pay my US student loans?

My Money, My Future, My Loyalties

As a freelancer, stress often comes from clients not paying your invoices. This was a whole new level of stress, not finding a method (in 2016!) to receive payment. Now, I brought this on myself. US friends reading this are thinking, "You're the one that moved there." My Canadian friends are wondering, "Why not get a Canadian job and ditch the US clients." Well, thank you for giving constructive advice, fake Canadian voices in my head. That's more helpful than the brash statement by the pompous American voice in my head.

A Canadian job would be pretty wonderful. I do what I do now based on opportunities and who I know. It's not based on me trying to avoid Canadian or US taxes. I don't mind pay taxes. Even before I moved here and had this amazing health care. Taxes give us roads, services and all sorts of things. Even if you don't agree with how the money is spent, you still owe it, in my opinion. Since I live in Canada, I owe that money to the government here, not the US government that assumes I must be a criminal for moving.

This whole episode has me seriously thinking about my US citizenship. What does it really afford me, aside from this hassle? I have family and friends back in the States, but I could still visit if I had Canadian citizenship. In the future, will my wife and I want to retire in the States? It's an option, but it's not looking very good right now.

If you read this far, hello. All of this just boils down to a reminder that Canada is a foreign country. As much as people around the world, and in the US, assume North America is basically the USA, it is simply not true. I would go so far as to say, we're not even that neighborly when it comes to money matters. Really, it's the difference between socialism and capitalism. Canada let me open a US dollar account and I can send money practically anywhere. The US doesn't want money to move outside its border.

If, for some reason, you enjoyed reading about my financial woes, you'll enjoy my next blog series. Riding the line between stupid and brave, I plan to post monthly income reports as I continue my career change journey. I don't really look forward to sharing how little I make. Yet I think it would be nice for others to see, a realistic look at writing articles rather than a carefully cultivated social media presence proclaiming that I am a successful entrepreneur.