java自由职业者

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.

零工经济正在增长。 根据IPSE的研究，英国目前有180万人从事自由职业者工作，自2008年以来增长了36％。人们出于各种原因而对自由职业感到着迷：这使他们在工作上更具灵活性； 他们可以更好地平衡工作与生活； 这可能是摆脱公司环境的好方法。 如果您正在考虑成为一名自由职业者，那么这篇文章将为您提供一些技巧，以确保您获得最佳的开始。

1.选择正确的业务类型 (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.

当您开始以自由职业者身份工作时，您就是在建立一家公司。 但是，从法律和税务角度来看，您可以设置多种类型的业务，因此选择正确的业务很重要。

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.

对于自己工作的自由职业者来说，有两种基本的业务类型：有限公司和个体经营者，每种都有其优点和缺点。 有限责任公司具有独特的税收优势，可以保护您免受个人财务损失，但是，它们承担更多的法律责任，并且在完成财务帐户方面需要做更多的工作。 相比之下，独家交易商仅简化了财务义务，但却失去了税收优惠。 如果公司无力偿还其债权人，他们还将冒着自己的房屋和财产冒险的风险。 有关更多信息，请访问Gov.UK网站 。

2.告诉税务员 (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.

设置为自由职业者时，您必须立即告诉HMRC。 如果您经营一家有限公司，则必须通过PAYE付款，因此需要在HMRC上开设一个帐户来支付税款和国民保险。

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.

如果您决定不成立有限公司，则需要注册为独家贸易商。 执行此操作时，您将收到一个唯一的税务参考(UTR)号，并且必须注册进行自我评估和2级国民保险缴费。

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.

您需要为HMRC做的许多事情，例如归档帐户，完成税收评估甚至付款，都可以在线完成。 但是，如果您不知道自己在做什么，可能会充满挑战和压力。 始终建议从会计师那里寻求专业建议。 如果您经营有限公司，则您的帐户必须由会计师完成。

3.获得在线会计 (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.

您不仅需要HMRC的财务交易记录，还需要您自己。 全面了解企业财务状况至关重要，这样您才能知道自己的立场。 否则可能会导致您的自由职业者的现金用光，甚至完全崩溃。

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.

保持记录最新的最佳方法之一是使用会计软件，该软件现已广泛在线提供。 QuickBooks和Sage Online等网站可以使会计非常简单。 他们可以与您的企业银行帐户建立联系，发送发票，创建现金流图以及生成损益表，而这些工作几乎都需要您的绝对投入。 这有助于节省您的时间，精力，金钱和压力。

4.获得保险 (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.

经营什么业务都没有关系，您需要购买保险。 当您可能在考虑需要为库存或设备保险时，您还必须考虑责任保险。 如果某人因您的工作受伤，或者对收入损失财产造成损害，那么您可能正在审理价值数百万英镑的诉讼。 责任保险可以保护您免受这些伤害。

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.

幸运的是，责任保险相对便宜(除非您经营一家具有明显风险的业务，例如跳伞教练)，并且许多提供商现在为特定类型的业务量身定制其保险套餐。

5.开设商业银行帐户 (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.

除非您经营有限公司，否则没有法律义务将个人账户与个人账户分开。 但是，如果您不这样做，将您的业务和个人财务相互分类会很麻烦，尤其是在出于税务目的而要求您提供银行业务详细信息的情况下。

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.

同时，如果您使用上面提到的在线会计程序，则您将需要单独的企业和个人帐户，因为他们会分析您的帐户内和帐户外的付款以进行许多计算-当企业帐户时，这是不可能的没有完全分开。

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

企业帐户通常是收费的，但成本最低，在建立您的企业的第一年中，许多费用是免费的。

6.务必随身携带名片 (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.

名片对于每个自由职业者都是必不可少的。 获得新客户的机会最不可能出现，通常是偶然的机会。 拥有名片意味着您可以在此向某人提供您的详细信息，而不必在信封的背面写下您的姓名和联系电话。

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等网站上在线设计名片，然后将其打印并交付您的家门。 价格很合理。 您甚至可以在此过程中设计自己的徽标。

7.确保您有网站 (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.

对于许多自由职业者来说，最大的优势之一就是您的业务不受地域限制。 自由职业者所做的许多工作都可以在线完成，这意味着您有潜力与全球客户合作。 当然，要做到这一点，重要的是要拥有一个在线形象，潜在客户可以在其中找到有关您的服务，收费多少以及如何联系的所有信息。

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，对于在网上工作的自由职业者来说，网站是必不可少的-设置网站从未如此简单。 您也不需要花费任何时间为您建立一个网站。 通过使用Amazing.Website这样的在线网站创建者，您可以轻松地通过拖放式网站建立网站，这使任何没有从业经验的自由职业者都可以轻松地将他们的业务立即在线上。 对于更具技术意识的人，也可以使用诸如WordPress和Joomla之类的程序来制作出色且功能丰富的网站-无需使用计算机编码。

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.

请记住，如果您有网站，则需要找到可靠的网络主机。 选择一种可以确保您的网站安全，确保其保持在线状态并且还可以为您提供24/7技术支持的网站。

结论 (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.

希望这些技巧可以使您更清晰地了解成为自由职业者时需要做的事情。 您将更好地了解法律和财务责任，以及如何确保自己免受企业可能面临的某些风险的影响。 同时，您将了解创建名片和网站以帮助促进业务的简易性。

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.

如果您是希望开设网站的自由职业者，请考虑使用我们的Amazing.Website网站构建器；或者，如果您打算使用其他平台来构建网站，请查看我们负担得起的企业托管计划 。

翻译自: https://www.eukhost.com/blog/webhosting/7-top-tips-for-freelancers/

java自由职业者