Financial tips for freelancers
不规律的薪水并不意味着不规律的财务计划. 用这5个给自由职业者的理财技巧来平衡你的激情和薪水.
As an entrepreneur, solo-preneur or you-preneur, you're in the business of doing your thing – freelance work. You may face some unique challenges when it comes to freelancer financials. Things like balancing the budget, fluctuating income, surprise business expenses, DIY retirement savings and insurance.
Know your break even number
你的收支平衡数字是你需要赚的钱来支付你的基本开支，比如账单, food and other primary living expenses. Complete your budget and ‘star' all the expenses you have that are non-negotiable. 这是你每个月想要达到的收入，以保持盈利.
Calculate your break even number
你可以用几种不同的方法来计算企业的盈亏平衡点，比如销售额或单位成本. In order to begin the calculation, 你需要知道企业的固定成本和可变成本. The fixed costs would include facilities, warehouses, storefronts, technology to do business (computers, software, telephones) along with advertising, while variable costs could include materials or labor. 你也会想知道贡献边际-什么是利润或收入，你从你正在销售的产品.
- 固定成本÷贡献利润率=销售额的盈亏平衡点
- 固定成本÷(每件产品的收益-每件产品的可变成本)=产品(单位)的盈亏平衡点
Keep business and personal expenses separate
把你的自由职业预算和你的个人预算分开. Not only will it help come tax time, but keeping business and personal expenses separate 能让你更清楚地了解你在生意上花了多少钱吗. Try putting all of your business expenses on a separate credit card 或者账户，以澄清商业和个人支出之间的模糊界限.
Emergency fund
Your emergency fund 当你完成预算时，你应该支付三到六个月的费用吗. 在那些我们希望自己能赚更多钱的月份里，这对缓解压力尤其有帮助. Start saving a little each paycheck, 考虑把这笔钱存在自己的专用储蓄账户中，以避免花掉它的诱惑.
Replicate corporate benefits as appropriate
你要考虑你可能需要的福利，这些福利通常是由公司提供的，比如医疗费用的健康pp王者电子官网, disability insurance 在这种情况下，你不能工作，因为残疾或受伤，或退休帐户. Talk to an insurance agent in your area to make sure you have all your bases covered.
Don't neglect your credit
Building and maintaining good credit can impact a lot of things in your financial life. 从房屋抵押贷款，到小企业贷款. 今天检查你的信用评分，从年度信用报告中取出你的信用报告.com. Learn more about building your credit score here.
Remember your retirement
不要因为你是企业主就忽视了为退休储蓄. 通过设置自动付款供款来投资你的未来 retirement account that is right for you. There are 401k plan options to consider for small business owners.
Paying taxes
与税务专家合作是很重要的，以确保你完全了解小企业报税的过程，避免小企业犯代价高昂的错误. 考虑全年按季度纳税，包括联邦税, state and local taxes.
How much to pay yourself
当你开始你的新业务，你会想要确定多少 you should be paid for the work you do. 为了确保你能支付费用，你需要练习才能算出要收取的价格, 同时在你每周可用的时间范围内.
你还需要确保你的个人开支和商业开支是分开的，因为随着你的业务增长，这将有助于税收和未来的投资者.
