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I contracted on a try & buy reduced rate with an end date.
I now see the financial struggles of this client. I am concerned that they will no longer be able to afford me at my standard rate. Should I accept the "anything is better than nothing" rate and extend the initial terms?
Perhaps adjust the rate and ask for equity in the company or a bonus after a set period of time. Especially if you like working there and feel appreciated. But I wouldn’t just lower without any other kind of benefit. Don’t sell yourself short. You are worth it!
It depends on your ability to replace the client with a new client at the same rate
Also the "anything is better than nothing " might not be if you know what I mean. There's a lot to consider both with work and your personal situation
I don't know enough about your situation to say... but I would suggest that if you decide to charge less for your services you word it as a "discount" or something like a "special offer". Make it clear that this is not your "standard rate".