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as i need to be thinking about the expenses that will be occurring on a contract (such as travelling to and from work) and include this when negotiating rates with the client.
Correct!
In the same way that Tesco don't charge you for the cost of shipping the cereal bars you just bought to the store, but rather that's included in the shelf price.
P.S. Whatever made you think that if you SPENT £50 on business cards, you wouldn't be £50 down somewhere? Oh well.
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