给自由职业者的理财建议
Irregular paychecks doesn't have to mean an irregular financial plan. Balance your passion and your paycheck with these five money management tips for freelancers.
作为一个企业家, 独自创业还是共同创业, 你在做自己的事情——自由职业. 你可能会面临一些独特的挑战，当涉及到 自由职业者金融类股. 比如平衡预算, 收入波动, 意外业务费用, DIY退休储蓄和pp王者电子官网.
知道你的收支平衡数字
你的 break even number is the amount of money you need to earn to cover your essential expenses like bills, 食物及其他基本生活开支. 完成你的 预算 把所有不可协商的费用都标上. This is the amount of income you want to shoot for every month to stay in the green.
计算你的收支平衡
You can calculate the break even point for your business in a few different ways such as sales dollars or cost per unit. 为了开始计算, you will need to know the fixed and variable cost of your business. 固定成本将包括设施, 仓库, 店面, 做生意的技术(计算机), 软件, 电话)和广告, 而可变成本可能包括材料或劳动力. You will also want to know the contribution margin — what is the profit or revenue you are making from the product you are selling.
- Fixed costs ÷ contribution margin = Break even point for sales dollars
- Fixed costs ÷ (revenue per product – variable cost per product) = Break even point for products (units)
把工作开销和个人开销分开
Organize your freelance 预算 spending by keeping it separate from your personal 预算 spending. 这不仅有助于税收的到来，而且 把工作和个人开支分开 can give you a clearer picture of how much you spend on your business. 试着把你所有的商业开支单独放在一个账户上 信用卡 or account to clear up any blurred lines between business and personal spending.
应急基金
你的 应急基金 should cover three to six months of those expenses you ‘starred' when you completed your 预算. It can be especially helpful to ease stress in those months we wish we could have made more money. 开始在每次薪水中存一点, and consider stashing that money away in its own dedicated savings account to avoid the temptation to spend it.
适当地复制公司福利
You'll want to consider benefits you may need that are normally provided by a company - things like health insurance for medical expenses, 残障pp王者电子官网 in the case you can't work because of disability or injury, or a 退休帐户. 和pp王者电子官网代理人谈谈 在你的区域确保你的所有基地都被覆盖了.
不要忽视你的信用
建立和维护良好的信用 能影响你财务生活中的很多事情吗. From a mortgage for your home, to a loan for your small business. Check your credit score today and pull your credit report from annualcreditreport.com. 了解更多关于 建立信用评分 在这里.
记住你的退休生活
Don’t neglect saving for your retirement just because you are a business owner. Invest in your future by setting up automatic payment contributions to the 退休帐户 这很适合你. 有 401k计划选项 为小企业主考虑.
纳税
It is important to work with a tax professional to ensure you fully understand the process of filing taxes for a small business and avoid costly mistakes for your small business. Consider paying your taxes quarterly throughout the year which would include federal, 州税和地方税.
给自己多少薪水
As you start your new business, you will want to determine how much 你的工作应该得到报酬 你做. It can take practice to figure out prices to charge in order to make sure you can cover expenses, while staying within the time capacity you have available each week.
You will also want to make sure you keep your personal and business expenses separate as this will help with taxes and future investors as your business grows.
