The most expensive mistake a UGC creator can make isn't charging too little.
It's starting work without a signed contract.
Without a contract you have no legal protection if the brand cancels mid-project, no right to keep a deposit if they ghost, no documentation if they dispute the deliverables, and no recourse if they use your content beyond what you agreed verbally.
A simple contract takes 10 minutes to prepare. It can save you hours of stress and hundreds — or thousands — of dollars.