When I started freelance writing I put zero money down. I began it as an experiement in the evenings after my day job. I knew I loved to write, I had good reviews of my writing and great success in college English classes, but I wasn’t sure how it would work as a business idea. The experiment was a success and now I’m a full-time freelance writer working in the comfort of my own home. However, if I could start over again there is definitely one thing I would have done differently – created a larger financial cushion.