Female drinkers earn 14 percent more than nondrinkers, while male drinkers make 10 percent more than abstainers, according to a study from the Reason Foundation, a nonprofit think tank.

Additionally, social male drinkers -- those who visit a bar at least once a month -- bring home another 7 percent in pay on top of the 10 percent premium.

"Social drinking builds social capital," said Edward Stringham, an economist at the foundation. "Social drinkers are out networking, building relationships and adding contacts to their BlackBerries that result in bigger paychecks."

However, women don't benefit from social drinking, according to the study. Women who frequent bars at least once a month showed no difference in earnings than women who didn't.

So you've ditched the corporate world for autonomy and a home office. But to make it as your own boss, you must compensate for the company benefits you left behind.

Retirement: Without a steady income and access to a company pension, you must force yourself to set aside a monthly amount for retirement. Research Roth IRAs, traditional IRAs, 401(k)s, 403(b) SEP and SIMPLE IRAs to find your best options.

Insurance: While you may be tempted to live on the edge, you should always carry some kind of health insurance. If paying for full coverage is too costly, opt for a catastrophic plan with low monthly premiums and high deductibles in case of an emergency.

Savings: Prepare for dry spells in income by opening a money market account that automatically takes a certain amount from your checking account each month. You won't notice the deduction, and you'll be saving each month.

Debt: You may rely more on credit cards to offset inconsistent paychecks. But make sure to keep a good line of credit. Find a credit card with a permanent low interest rate at www.bankrate.com .

Most employees must contend with goodies brought into the office or unhealthy options in vending machines, according to a recent study by The Marlin Company, a workplace communications firm.

Nearly three-quarters of workers said that cakes, cookies or candies are sometimes, if not always, served for special occasions like birthdays and holidays.

This is cache, read story here