what about just diving in .. think of an app that will be fun for you to make ... a solution that caters to a specific interest of yours. after you develop a few, you will have a good idea of how many hours it will take to develop a solution and then just bid the job based on the hours. ( be careful not to undersell yourself

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treat it like a project someone hired you to do .. and just go for it. i think it was put best in an article that i read like this:
Quote:
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If you start out trying to do too much, you won't learn anything, you'll just get frustrated and confused. Start off with some small, reasonable goals, and code them. Think about it like this. Trust me when I say that you are going to look back on the first 50 things you code and laugh your ass off. Why make the first thing something REALLY hard when it and the next forty-nine are going to be terrible?
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http://articles.thewavelength.net/440/
it's a half-life modding article, but it was a good read for a programmer anyway.