No matter how much you try to avoid it, you will get sick at some point.

If you’re working at a salaried job, you can just call in and rest.

Unfortunately, if you’re a freelancer, you don’t have that luxury. So, what do you do?

Do you just work through your illness? Do you push everything back a day? What if you have a deadline that you need to meet?

The most important thing that you can do to make sure that an unforeseen illness doesn’t sink your business is have a plan for when it does happen.

2. Make an Action Plan

I said in the last section that you don’t want to deal with financial stress when you’re sick. But really you don’t want to deal with anything when you’re sick. That’s the whole point. All you want to do is what your salaried friends do: call in sick, roll over in your bed and go back to sleep, knowing that someone else is dealing with everything.

So in this section we’re going to create a plan that will make things as easy as possible for you when illness strikes. It still won’t be as easy as a thirty-second phone call, but it’ll be a lot easier than it would have been if you had no plan and were floundering around trying to get stuff done while feeling like death warmed over.”

Read the entire guide at Tuts+.