With the recent crisis that shook the national economy, there are about 13 million Brazilians working on their own. The autonomous worker has flexibility and autonomy, advantages often envied by the salaried worker.
However, like all work, being autonomous also has its pros and cons. Even with an income similar to that of a salaried worker, the salary of the self-employed person is not always fixed, so it is necessary to have a lot of control and planning with the budget.
Thinking about it, we have brought in this article some tips will help the self employed organize their finances. Check out!
Make a cash flow
By not owning a fixed income control of expenses can be an impossible challenge, so you need to keep abreast of your expenses. Try to make a cash flow at the beginning of each year and see what your biggest expenses are, so you can know where to save money.
Have an emergency fund
Give away some of your money to keep an emergency fund, so you avoid “surprises” over the years and have a reserve to use if you need to. It is advisable to save three to six months of your expenses.
Be on par with your finances
Book at least one day a month to organize your budget, update it with a regular date in your calendar. By doing this, you will have greater control over your finances and you can find out where you spend more and how you can start saving. By adopting this habit regularly you will be more ready to seize your money rather than controlling it all the time.
Save money for taxes
The autonomous also fits in some tax regime and pays taxes. The individual microentrepreneur (MEI) must pay the monthly DAS, which varies from R $ 47.85 to R 52.85, but this depends on the activity that is performed.
Those who are SIMPLE should rely on the help of an accountant to control tax deductions.
Plan Your Retirement
The self-employed person is also entitled to the FGTS, being MEI or SIMPLE he will be contributing to the social security, however, it is fundamental if he plans, and perhaps even to contract a private pension plan.
You can automate your monthly savings on your FGTS, try to do this after you clear your expenses and taxes.
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