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    <description>Guides for solo freelancers on rates, billable hours and what each client pays per real hour.</description>
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      <title>Freelance broker or direct client: who pays more per hour?</title>
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      <description>A broker&apos;s cut is visible on the rate. A direct client&apos;s cost hides in unbilled hours. Compare both per real hour, client by client, with a worked example.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Mon, 28 Sep 2026 00:00:00 GMT</pubDate>
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      <title>Context switching between clients: the cost in hours</title>
      <link>https://cronloom.io/blog/freelance-client-switch-cost-in-hours/</link>
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      <description>Four clients in one day cost more than four handovers. Count the minutes each switch takes and see what a fully billed day really pays per hour.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Sun, 20 Sep 2026 00:00:00 GMT</pubDate>
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      <title>What freelance proposals cost you, counted in hours</title>
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      <description>A won project carries the proposals that lost. At 4 hours per pitch and one yes in four, every win starts 16 hours behind. Here is the arithmetic.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Fri, 18 Sep 2026 00:00:00 GMT</pubDate>
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      <title>Minimum fee for small freelance jobs: how to work it out</title>
      <link>https://cronloom.io/blog/freelance-minimum-fee-small-jobs/</link>
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      <description>Every job carries an hour of overhead, whatever its size. One formula gives you the smallest job that still clears your floor rate.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Mon, 14 Sep 2026 00:00:00 GMT</pubDate>
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      <title>How to estimate a freelance project: your overrun factor</title>
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      <description>Divide tracked hours by quoted hours on your last three projects. The same factor comes out each time. Multiply your next estimate by it before you quote.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 02 Sep 2026 00:00:00 GMT</pubDate>
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      <title>Why the first project with a new client pays the worst</title>
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      <description>Kickoff, access, files and learning how a new client gives feedback are hours nobody quoted. Divide the fee by all of them, then judge over two projects.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Tue, 01 Sep 2026 00:00:00 GMT</pubDate>
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      <title>How many hours should a freelance retainer include?</title>
      <link>https://cronloom.io/blog/freelance-retainer-hours-per-month/</link>
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      <description>At most the monthly fee divided by your floor rate. A retainer can go underwater every month, so the month, not the project, is the unit you check.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Sat, 29 Aug 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Rush fee for freelancers: what a tighter deadline costs</title>
      <link>https://cronloom.io/blog/yes-to-friday-cost-in-hours/</link>
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      <description>A tighter deadline costs hours: the Saturday it creates. Keep the fee, add those hours, and see whether the job still clears your floor or needs its own price.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Fri, 28 Aug 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>What a late-paying client costs you, counted in hours</title>
      <link>https://cronloom.io/blog/late-paying-clients-cost-in-hours/</link>
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      <description>Chasing a late payment is unpaid work for one client. Count those hours and see how far they push that client below the rate you agreed.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 26 Aug 2026 00:00:00 GMT</pubDate>
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      <title>What a freelance discount really costs: price it in hours</title>
      <link>https://cronloom.io/blog/freelance-discount-effective-rate/</link>
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      <description>A 10% discount is not 10% off. Convert the cut into hours at your floor rate, add the usual overrun, and see the rate you actually agreed to.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Mon, 24 Aug 2026 00:00:00 GMT</pubDate>
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      <title>Fixed-price projects: work out the hour budget first</title>
      <link>https://cronloom.io/blog/fixed-price-projects-losing-money/</link>
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      <description>A fixed price sets your fee, not your rate. Divide the fee by your floor rate to get the hour budget, then check it at the halfway hour.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Sun, 23 Aug 2026 00:00:00 GMT</pubDate>
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      <title>Which freelance clients are profitable? Rank by the hour</title>
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      <description>Revenue ranks your clients one way, fee per real hour another, and the two orders rarely match. Here is how to do the division and what to do with it.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Sat, 22 Aug 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Floor rate vs effective rate: your minimum hourly rate</title>
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      <description>Your quoted rate is a promise. Effective rate is the fee divided by every hour worked. The floor is the line below which a client stops paying you.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Fri, 21 Aug 2026 00:00:00 GMT</pubDate>
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      <title>Billable vs non-billable hours: your utilization rate</title>
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      <description>What counts as billable, realistic utilization for solo freelancers, and how to compute the ratio that quietly decides what you really earn per hour.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 03 Jun 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Fixed-Price vs Hourly Billing for Freelancers: How to Choose</title>
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      <description>The honest trade-offs between fixed-price and hourly billing, how to compare them with your effective hourly rate, and when each model actually wins.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 03 Jun 2026 00:00:00 GMT</pubDate>
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      <title>How to raise your freelance rates, and on which clients</title>
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      <description>A practical method for raising freelance rates: find your worst-paying clients by effective rate, time the increase, send a plain email, and gain income.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 03 Jun 2026 00:00:00 GMT</pubDate>
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    <item>
      <title>Freelance day rate: how to set it from your hourly rate</title>
      <link>https://cronloom.io/blog/how-to-set-a-freelance-day-rate/</link>
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      <description>A practical method to set a freelance day rate from your target hourly rate, with a premium, half-day rules and a way to check it against real tracked hours.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 03 Jun 2026 00:00:00 GMT</pubDate>
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      <title>How to Track Billable Hours Across Multiple Clients</title>
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      <description>A simple system for tracking billable hours across several freelance clients, without losing revenue to forgotten timers and rough estimates.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Wed, 20 May 2026 00:00:00 GMT</pubDate>
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      <title>How to calculate your freelance hourly rate</title>
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      <description>A step-by-step method to work out the freelance hourly rate you actually need to charge, based on your income goal, expenses, time off and non-billable hours.</description>
      <dc:creator>Thomas Kraaibeek</dc:creator>
      <pubDate>Tue, 12 May 2026 00:00:00 GMT</pubDate>
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