个体户的理财策略
Help streamline your budget and build a stronger financial future for your business with these tactics.
开始一个 小型企业 and being self-employed is exciting but requires a lot of time and work. 有很多 hats or titles a self-employed person can wear on any given day. Chief marketing officer, sales manager, customer service department head, accountant, to name a few.
多任务, 处理多个优先事项, poor cash flow and the general lack of time/energy are the primary reasons that 小型企业es don’t thrive. Here are a few business strategies to help your business run smoother.
个人与商业分开
使用现有的个人数据是很诱人的 信用卡 and bank and savings accounts for business uses, particularly as you’re getting started. But a 营业收入和支出分开设置 有助于描述两者，简化 税务筹划 并且可能有助于减少个人责任.
为你的企业考虑多个账户
适应不同业务需求的一个技巧是 taxes营运费用 应急基金 — is to find a financial institution that allows you to have linked yet separate accounts or funds. Once you do that, automatically divvy up every invoice payment as needed into various accounts.
找一个你喜欢的数字记录保存系统
对你有用的东西不一定对别人有用, so review the options in software programs to find out what fits your accounting style. Some have a small monthly fee but allow you to generate branded invoices and offer payment collection and tracking, account reconciliation and custom reports for tax purposes.
创建一个费用跟踪程序
It’s imperative to record your business expenses to help reduce your tax burden, 但保持准确的记录也是必要的. 保存收据和报表 and consider a quick-scan program to keep digital copies as well. Use your digital record-keeping system to collect data and find a tool that helps you track business-related mileage.
如果可以的话，电子支付和电子发票
Switching to these options help you get in the habit of immediate billing and allow people to efficiently send you money. 除了, many online processors integrate with most bookkeeping or invoicing systems to allow for seamless record-keeping collection.
考虑聘请税务专业人士
当你为自己工作的时候, 税收可能是令人困惑和棘手的, 不仅涉及社会保障和医疗pp王者电子官网, 但1099年代, 分项和季度付款. Investing in the services of an expert may pay off by saving you time and reducing the possibility for mistakes and fines.
检讨你的pp王者电子官网需要
有很多 你应该问的问题 regarding your business and personal insurance coverages. 如果你被起诉，你会怎么做? 如果你一个月都不能工作怎么办? 你死后你的生意会怎么样? 联系State Farm®代理 回顾诸如 工人的补偿 报道, 商业的伞 pp王者电子官网, 残疾 pp王者电子官网, life pp王者电子官网, 商业及专业责任 pp王者电子官网, health pp王者电子官网及其他.
为退休储蓄
有 退休计划选择s 每个企业主都应该考虑. 许多个体户没有计划. Take time to review which retirement savings plan option would be best for you.
未雨绸缪
What will happen to your business after you are gone or if you become disabled? 业务继续 is an important topic to consider for most 小型企业 owners. A will or trust does not always address the central problems created when this happens. This is particularly important when there are stockholders or other people that have an interest in your business.
