作为自由职业者管理您的钱的5个提示

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媒体的喧嚣工作气候,今天还有越来越多的人似乎希望跳过所有废话,在那里他们受到跨过的工作和过度劳累,追求其他创造性的激情。我不能说我责怪他们。从全日制博主到自由作家,媒体和其他行业都有大量的职业生涯,您可以远程为自己工作。The journey to get this place hasn’t been perfect—I’ve made the occasional dip into my savings and panicked phone call to my parents—but now that six months has passed since I went freelance, I don’t think I’ve ever been happier or more creatively fulfilled and I’m finally starting to see a rhythm of how this all works.

所说,我有更多的人问我,而不是以往任何时候都是自由职业和博客全职的物流(我回答了一些这些问题最近的一个问答视频)当我得到问题时如何向出版物推出想法以及当品牌接近您的协作时,在所有这些问题的核心方面该怎么办(A.k.a是什么人真的想知道)是“你怎么能在经济上工作?”我本质上是十七,所以我完全得到了好奇心。I thought rather than going into the specifics of my own situation, I could share some actionable tips that you can use in your own entrepreneurial endeavors to make sure that you’re not only making enough for today, but that you’re making enough to support the lifestyle that you want to live. Here are five tips for managing your money as a freelancer.

1.找到一致的收入来源

我知道你在想什么:不娇小意味着每两周放弃一次薪水?好吧,答案是肯定的,没有。关于自由职业者的最棘手的部分是确保您每月赚取足够的钱,因为您不再有薪水。确保您将至少有基线收入的最佳方式是找到一些一致的客户。I have an editing gig that pays me monthly and a copywriting role where I write products descriptions on at least a monthly basis, so I can already estimate that I’m going to have a certain amount of money coming in each month, and from there I can pick up more one-off assignments like a paid Instagram post or an article for a fashion website I write for. If you can get one or two jobs like that of your own, you’ll feel much more comfortable with the idea of being a freelancer full-time.

2.跟踪您的发票

无论是关于文章,Instagram帖子,博客协作还是其他任何东西,我都会保留所有发票的真正彻底的清单。真正帮助我的一件事是创建一个发票模板,您可以仅更新您拥有的每个特定分配。您可以从etsy下载模板或查找一个帆布当您向客户端发票发送您的发票时,为您的品牌提供了一个凝聚力,并且看起来比Word Doc更复杂。确保您记录到期的金额以及当您发票时 - 如果截止日期,请不要害怕跟进。

3.为自己设定一个现实的预算

我一直认为自己是真正小心钱的人,但我最近感受到了这种方式。Even though I am a huge shopper, (I mean, have you read the blog lately?) I’ve really cut back on the amount of stuff I’ve purchased lately and am sticking to only the essentials that I think I need to buy. While I may feel like I’m missing out in the moment because I don’t have a certain new coat or pair of shoes, it’s so much more worth it in the long run. I’d rather invest in trips where I can create tons of content for my blog and YouTube channel or online courses that will help me grow my business. Take a look at what you spend and what you’re bringing in and figure out something that works for you.

4.阅读税收

当你是自由职业者的时候,税收也是不同的,所以最好了解一下全职和自由职业者处理税收的不同之处。一般来说,当你有一份全职工作时,你的税收会从你的薪水中扣除。你可以选择全年储蓄,也可以考虑按季度交税,以避免4月份政府突然要求你交钱时的冲击。别让纳税日悄悄临近!

5.沿途保存

尽管很难,但保留一笔小额应急基金确实很有帮助。我知道在做自由职业者的前六个月到一年里,你的收入可能比你希望的要少一些,但储蓄仍然是非常重要的。无论你是为应急基金存钱还是为退休做准备,你都应该留出一些额外的现金,以防万一。它会让你现在和将来都安心。

上面的照片莎拉·格兰特纳

无论您是自由还是全职的人,您都是为了管理资金的最佳提示是什么?

你的,

奥斯汀