As freelancers, if we don't work, we don't earn. Not for us the luxury of knowing we'll get a paycheck or a Christmas bonus. Instead, if we want to buy presents and enjoy the holidays, we've got to do a lot of work - and can sometimes end up taking on too much. I know that's happened to me in the past. I spent most of last Christmas working - and I vowed that I wouldn't do that again.

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