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Last updated on 2024年7月25日

Here's how you can effectively manage your finances and plan for the future as a self-employed professional.

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Navigating the financial landscape as a self-employed professional can be challenging, but with the right strategies, you can secure your present and future. Balancing income and expenses, planning for taxes, and investing in your growth are all part of a solid financial plan. By adopting a disciplined approach to money management, you can enjoy the freedom of self-employment without the stress that often accompanies financial uncertainty. This article will guide you through the essential steps to effectively manage your finances and plan for the future, ensuring that your hard work today pays off in the long term.

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy,…

1 Budget Basics

Creating a budget is the cornerstone of sound financial management. As a self-employed professional, your income may fluctuate, making it vital to understand your monthly expenses. Categorize your spending into necessities, business costs, and discretionary expenses. Allocate funds for taxes and savings first, then manage the remaining money to cover your costs. Regularly review and adjust your budget to reflect changes in your income and expenses, ensuring that you're always on top of your financial game.

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy, Director de ventas empresariales, Director de inteligencia empresarial
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La primera regla de oro al hacer un presupuesto, es estar claro que no todo el dinero que entra a tu cuenta bancaria es tuyo. Es importante saber que un porcentaje (hasta 33%) de ese ingreso debe de irse a la cuenta de impuestos por pagar al final del a?o. En México existe la posibilidad de "compensar"el IVA según los ingresos y gastos relacionados a la operación propia del negocio; para ello deberás acercarte a expertos contadores o fiscalistas y "planear" tu a?o fiscal para aprovechar las ventajas que el propio gobierno puede ofrecerte como profesional autónomo

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Dylan Bassett

Non-Profit Transformation Consultant | Owner, Dept.1 Solutions | Founder, ReachU
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When I began my journey of self-employment, I knew I had to get much more serious about tracking my spending. You don't *necessarily* need to set a hard budget for yourself across categories on a monthly basis (as it can reinforce a scarcity mindset which has consequences) - but you certainly must track your spending. I have found that cashflow measures are more productive than direct profitability measures when you look at your finances as an independent worker.

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2 Tax Tactics

Taxes can be a complex affair when you're self-employed. Set aside a portion of each payment you receive for taxes to avoid end-of-year surprises. Consider working with a tax professional who understands self-employment tax obligations to help you identify deductions and credits that can minimize your liability. Keep meticulous records of all business-related expenses, as these can significantly reduce your taxable income.

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy, Director de ventas empresariales, Director de inteligencia empresarial
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Contratar profesionales en el área ayudará a cualquier negocio a llevar unas finanzas sanas principalmente orientadas a temas fiscales.

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3 Emergency Fund

An emergency fund is critical for weathering periods of unexpected expenses or income loss. Aim to save at least three to six months' worth of living expenses . This fund acts as a financial buffer, providing peace of mind and security. Start small if necessary and gradually build your emergency savings over time. Having this safety net in place is invaluable for any self-employed professional.

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Lucas Cassiano Seabra

Parceiro de Negócios na Futuro Consultoria Financeira | Administrador | CPA10 | Educador Financeiro | Palestrante
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Para meus clientes, que s?o profissionais aut?nomos ou profissionais liberais, eu destaco a urgência e ainda maior importancia de constru??o da Reserva de Emergência. O primeiro passo é identificarmos o perfil de risco, para que possamos definir o período que iremos cobrir (se 3, 6, 12 meses). O segundo passo, é ter domínio das finan?as para definir com assertividade qual é seu padr?o (ou custo) de vida. Com uma multiplica??o simples ( Período x Padr?o de Vida) teremos a reserva ideal. Daí pra frente, é somente buscar um profissional do mercado financeiro que possa te orientar na aplica??o deste montante em um local que tenhas os três principais pilares de uma R.E: Liquidez, Seguran?a e Baixo Risco!

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4 Investment Insight

Investing in your business and retirement is essential for long-term financial health. As a self-employed individual, you won't have access to employer-sponsored retirement plans, so it's up to you to set up an Individual Retirement Account (IRA) or a similar retirement savings vehicle. Allocate a portion of your income to investments that align with your risk tolerance and retirement goals. Additionally, reinvesting in your business can lead to growth and increased earnings.

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy, Director de ventas empresariales, Director de inteligencia empresarial
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En mi experiencia, es una buena opción buscar planes "dotales" ya sea a través de un agente de seguros o una institución financiera. Estos instrumentos aseguran el ahorro, promueven la creación de capital y al mismo tiempo proporcionan seguros de vida. Al término del plan se regresa lo invertido más el interés generado.

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5 Credit Considerations

Maintaining good credit is important for securing loans or lines of credit for business expansion. Pay bills on time, keep debt levels manageable, and monitor your credit report regularly for accuracy. If you need to make a large purchase for your business, consider financing options carefully and choose those that offer favorable terms without putting your personal finances at risk.

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6 Diversify Income

Diversifying your income streams can provide stability in the unpredictable world of self-employment. Explore opportunities for passive income, such as rental properties or investments that generate regular returns. Additionally, consider offering new services or products that complement your existing business. Diversification not only helps cushion against market fluctuations but also opens up new avenues for growth and profitability.

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy, Director de ventas empresariales, Director de inteligencia empresarial
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Diversificar los ingresos significa en mi experiencia hacer alianzas con otros negocios similares o de la misma cadena productiva en los que podamos intercambiar recomendaciones y crear más oportunidades de negocio.

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7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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Andrea Szymanski Curiel

Business Excellence, Director de desarrollo empresarial, Customer success, Operaciones comerciales Business Strategy, Director de ventas empresariales, Director de inteligencia empresarial
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Hay que siempre tener en cuenta que la vida del profesionista autónomo, será muy parecida a los ciclos de la económicos del sector y país en el que se encuentra. Es importante saber que es un ciclo y siempre y cuando estemos dispuestos a reajustar y pensar en que le funcionaría a mi cliente, los valles serán menos profundos y habrá más estabilidad

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Here's how you can effectively manage your finances and plan for the future as a self-employed professional.

1

2

3

4

5

6

7

1 Budget Basics

2 Tax Tactics

3 Emergency Fund

4 Investment Insight

5 Credit Considerations

6 Diversify Income

7 Here’s what else to consider

Team Facilitation

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Here's how you can effectively manage your finances and plan for the future as a self-employed professional.

1

2

3

4

5

6

7

1 Budget Basics

2 Tax Tactics

3 Emergency Fund

4 Investment Insight

5 Credit Considerations

6 Diversify Income

7 Here’s what else to consider

Team Facilitation

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