Side work, one chip at a time
Hew the quote into chips you can count
Headline pay is the beam. Fees, admin and tax are chips. Subtract them before you judge the job.
A quoted amount looks solid until you take the first chips off.
| Chip | Illustrative example |
|---|---|
| Quoted job | 200 |
| Fees | −18 |
| Materials | −22 |
| Tax set-aside | −30 |
| Remains | 130 |
| Hours including admin | 8 |
| Real hourly | 16.25 |
If that hourly is below your minimum, the remaining beam is too thin for another swing.
Educational content only. Not financial, tax or legal advice; talk to a qualified professional about your situation.