java自由職業者

The gig economy is growing. According to research from IPSE, 1.8 million people now work as a freelancer in the UK, that’s a rise of 36% since 2008. People are attracted to freelancing for lots of reasons: it gives them greater flexibility over the work they do; they can have a better work-life balance; and it can be a good way to get out of a corporate environment. If you are considering becoming a freelancer, this post will give you some tips to make sure you get off to the best start.

零工經濟正在增長。 根據IPSE的研究，英國目前有180萬人從事自由職業者工作，自2008年以來增長了36％。人們出于各種原因而對自由職業感到著迷：這使他們在工作上更具靈活性； 他們可以更好地平衡工作與生活； 這可能是擺脫公司環境的好方法。 如果您正在考慮成為一名自由職業者，那么這篇文章將為您提供一些技巧，以確保您獲得最佳的開始。

1.選擇正確的業務類型 (1. Choose the right business type)

When you start working as a freelancer you are setting up a business. However, from a legal and tax point of view, there are different types of business you can set up and it is important that you choose the right one.

當您開始以自由職業者身份工作時，您就是在建立一家公司。 但是，從法律和稅務角度來看，您可以設置多種類型的業務，因此選擇正確的業務很重要。

For a freelancer who works on their own, there are two basic types of business, limited company and sole trader, and each has its pros and cons. Limited companies offer distinct tax advantages and protect you from personal financial losses, however, they have more legal responsibilities and require much more work when it comes to completing financial accounts. Sole-traders only have streamlined financial obligations in comparison but do lose the tax advantages. They also risk their homes and possessions if the company cannot afford to pay its creditors. For more information visit the Gov.UK website.

對于自己工作的自由職業者來說，有兩種基本的業務類型：有限公司和個體經營者，每種都有其優點和缺點。 有限責任公司具有獨特的稅收優勢，可以保護您免受個人財務損失，但是，它們承擔更多的法律責任，并且在完成財務帳戶方面需要做更多的工作。 相比之下，獨家交易商僅簡化了財務義務，但卻失去了稅收優惠。 如果公司無力償還其債權人，他們還將冒著自己的房屋和財產冒險的風險。 有關更多信息，請訪問Gov.UK網站 。

2.告訴稅務員 (2. Tell the taxman)

When you set up as a freelancer, you are obliged to tell HMRC straight away. If you run a limited company, you have to pay yourself through PAYE and so will need to set up an account with HMRC to pay your tax and your National Insurance.

設置為自由職業者時，您必須立即告訴HMRC。 如果您經營一家有限公司，則必須通過PAYE付款，因此需要在HMRC上開設一個帳戶來支付稅款和國民保險。

If you decide not to set up a limited company, you will need to register as a sole-trader. When you do this, you will receive a Unique Tax Reference (UTR) number and will have to register for self-assessment and Class-2 National Insurance contributions.

如果您決定不成立有限公司，則需要注冊為獨家貿易商。 執行此操作時，您將收到一個唯一的稅務參考(UTR)號，并且必須注冊進行自我評估和2級國民保險繳費。

Many of the things you need to do for the HMRC, like filing accounts, completing tax assessments and even making payments, can be done online. However, it can be challenging and stressful if you do not know what you are doing. It is always advisable to seek professional advice from an accountant. If you run a limited company, your accounts must be completed by an accountant.

您需要為HMRC做的許多事情，例如歸檔帳戶，完成稅收評估甚至付款，都可以在線完成。 但是，如果您不知道自己在做什么，可能會充滿挑戰和壓力。 始終建議從會計師那里尋求專業建議。 如果您經營有限公司，則您的帳戶必須由會計師完成。

3.獲得在線會計 (3. Get online accounting)

You don’t just need records of your financial transactions for the HMRC, you also need them for yourself. It is vital that you have a complete picture of your business’s finances so that you know where you stand. Failure to do this can cause your freelancing business to run out of cash or even collapse altogether.

您不僅需要HMRC的財務交易記錄，還需要您自己。 全面了解企業財務狀況至關重要，這樣您才能知道自己的立場。 否則可能會導致您的自由職業者的現金用光，甚至完全崩潰。

One of the best ways to keep your records up-to-date is to use accounting software, which is now widely available online. Websites like QuickBooks and Sage Online can make accounting very simple. They can connect with your business bank accounts, send invoices, create cash flow charts, and produce profit and loss accounts – all with the absolute minimal input from you. This helps saves your time, effort, money and stress.

保持記錄最新的最佳方法之一是使用會計軟件，該軟件現已廣泛在線提供。 QuickBooks和Sage Online等網站可以使會計非常簡單。 他們可以與您的企業銀行帳戶建立聯系，發送發票，創建現金流圖以及生成損益表，而這些工作幾乎都需要您的絕對投入。 這有助于節省您的時間，精力，金錢和壓力。

4.獲得保險 (4. Get insurance)

It doesn’t matter what business you run, you need to have insurance. Whilst you might be thinking about the need to insure your stock or your equipment, you must also think of liability insurance. If someone is injured through your work or if you cause damage to property of loss of income, you could be looking at a lawsuit worth millions of pounds.? Liability insurance can protect you against these.

經營什么業務都沒有關系，您需要購買保險。 當您可能在考慮需要為庫存或設備保險時，您還必須考慮責任保險。 如果某人因您的工作受傷，或者對收入損失財產造成損害，那么您可能正在審理價值數百萬英鎊的訴訟。 責任保險可以保護您免受這些傷害。

Luckily, liability insurance can be relatively cheap (unless you run a business with obvious risks, like a skydiving instructor) and many providers now tailor their insurance packages for specific types of business.

幸運的是，責任保險相對便宜(除非您經營一家具有明顯風險的業務，例如跳傘教練)，并且許多提供商現在為特定類型的業務量身定制其保險套餐。

5.開設商業銀行帳戶 (5. Open a business bank account)

Unless you run a limited company, there is no legal obligation to have a separate business account from your personal account. However, it can get very messy sorting out your business and personal finances from each other if you do not – especially if you are asked to provide details of your banking for tax purposes.

除非您經營有限公司，否則沒有法律義務將個人賬戶與個人賬戶分開。 但是，如果您不這樣做，將您的業務和個人財務相互分類會很麻煩，尤其是在出于稅務目的而要求您提供銀行業務詳細信息的情況下。

At the same time, if you use the online accounting programs we mentioned above, you will need separate business and personal accounts as they analyse the payments in and out of your account to do many of their calculations – this is impossible to do when business accounts are not kept entirely separate.

同時，如果您使用上面提到的在線會計程序，則您將需要單獨的企業和個人帳戶，因為他們會分析您的帳戶內和帳戶外的付款以進行許多計算-當企業帳戶時，這是不可能的沒有完全分開。

Business accounts are usually charged for but costs are minimal and many are free in the first year of setting up your business.

企業帳戶通常是收費的，但成本最低，在建立您的企業的第一年中，許多費用是免費的。

6.務必隨身攜帶名片 (6. Always have business cards handy)

Business cards are an essential for every freelancer. Opportunities to get new clients arise at the most unlikely of times, often with chance encounters. Having a business card available means you can give someone your details there and then, without having to scribble your name and contact number down on the back of an envelope.

名片對于每個自由職業者都是必不可少的。 獲得新客戶的機會最不可能出現，通常是偶然的機會。 擁有名片意味著您可以在此向某人提供您的詳細信息，而不必在信封的背面寫下您的姓名和聯系電話。

You can design your business cards online at sites like Vistaprint, and have them printed and delivered to your door. The prices are very reasonable. You can even design your own logo as part of the process.

您可以在Vistaprint等網站上在線設計名片，然后將其打印并交付您的家門。 價格很合理。 您甚至可以在此過程中設計自己的徽標。

7.確保您有網站 (7. Ensure you have website)

One of the biggest advantages for many freelancers is that your business isn’t limited by geographical boundaries. Much of the work freelancers do can be done online and this means that you have the potential to work with clients across the globe. Of course, to do this, it is important that you have an online presence where potential clients can find out all about your services, how much you charge and how to get in contact.

對于許多自由職業者來說，最大的優勢之一就是您的業務不受地域限制。 自由職業者所做的許多工作都可以在線完成，這意味著您有潛力與全球客戶合作。 當然，要做到這一點，重要的是要擁有一個在線形象，潛在客戶可以在其中找到有關您的服務，收費多少以及如何聯系的所有信息。

A website is essential, therefore, for freelancers working online – and setting one up has never been easier to do. You don’t need to go to the expense of having a website built for you, either. With drag and drop website building at your fingertips, using an online website creator, like Amazing.Website, makes it simple for any freelancer with no previous experience to get their business online in no time. For the more technically minded, there are programs like WordPress and Joomla that can be used to make outstanding, feature rich websites, too – also without the need to use computer coding.

因此，對于在網上工作的自由職業者來說，網站是必不可少的-設置網站從未如此簡單。 您也不需要花費任何時間為您建立一個網站。 通過使用Amazing.Website這樣的在線網站創建者，您可以輕松地通過拖放式網站建立網站，這使任何沒有從業經驗的自由職業者都可以輕松地將他們的業務立即在線上。 對于更具技術意識的人，也可以使用諸如WordPress和Joomla之類的程序來制作出色且功能豐富的網站-無需使用計算機編碼。

Do remember, if you have a website, you’ll need to find a reliable web host. Choose one that can keep your website secure, make sure it stays online and which can also provide you with 24/7 technical support.

請記住，如果您有網站，則需要找到可靠的網絡主機。 選擇一種可以確保您的網站安全，確保其保持在線狀態并且還可以為您提供24/7技術支持的網站。

結論 (Conclusion)

Hopefully, these tips will have given you a clearer picture of what you need to do when setting up as a freelancer. You’ll have a better understanding of the legal and financial responsibilities and how to insure yourself against some of the risks that businesses can face. At the same time, you’ll understand how easy it can be to create business cards and websites to help promote your business.

希望這些技巧可以使您更清晰地了解成為自由職業者時需要做的事情。 您將更好地了解法律和財務責任，以及如何確保自己免受企業可能面臨的某些風險的影響。 同時，您將了解創建名片和網站以幫助促進業務的簡易性。

If you are a freelancer looking to launch a website, consider using our Amazing.Website site builder, or if you intend to build a website using another platform, look at our affordable business hosting plans.

如果您是希望開設網站的自由職業者，請考慮使用我們的Amazing.Website網站構建器；或者，如果您打算使用其他平臺來構建網站，請查看我們負擔得起的企業托管計劃 。

翻譯自: https://www.eukhost.com/blog/webhosting/7-top-tips-for-freelancers/

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