Index abroad, working 185 accountants 54, 56, 213, 216 accounts 54, 56 see also financial records achievements, acknowledging your 174­5 ActiveInbox 204 agency, starting up an 240­1 allowable expenses 215­16 anti-virus software 203 apps, essential 203­4 Avast! 203 AVG Free 203 Booth-Lucking, Simon 10, 66, 174, 176 brain-dumping apps 204 break-even value 27 Brighton's Farm freelancer group 26 British Insurance Broker's Association 57 Bubbl.us 204 budgets calculating survival 26, 27 client's 45­6 business cards 85