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Tips for Saving Money While Being Self-Employed
• If you plan to leave a wage or salaried job, make sure you have 6 months to a year of living expenses, including an emergency fund of at least $1,000.
• Revise your monthly and annual budgets. If you’re not currently earning any income from your freelance or entrepreneurial gigs, you absolutely have to cut costs somewhere. If you have a partner or spouse, review your budget together and create individual and combined financial plans. If you live alone and can’t afford to live in your current residence, find a roommate or find a cheaper place to live, and create a new financial plan.
• If you received some type of income while self-employed (inheritance, pension, disability benefits, part-time jobs, etc.), prioritize paying mortgage/rent, utilities, insurance and food. Anything left over should go into your savings account so you don’t spend what’s left.
• If possible, pay a year (or two) of your rent or mortgage in advance. If finances get tight, you’ll at least have a place to stay. Also, check out cheaper, smaller homes, townhouses or condos if necessary.
• If you are a renter, learn about rental insurance. If you lose anything due to fire, theft or flood, your items can be replaced.
• If you haven’t already, cut back on any unnecessary expenses such as cable/satellite TV, landline phone service, extra cell phones of any kind and magazine subscriptions. However, if you need any of these services, evaluate what you need versus what you want, and buy a cheaper brand or a more economical package.
• Do not unnecessarily increase electricity/gas/oil and water/sewer costs. You want to be responsible about how you use the utilities in your home.
• Sell your vehicle if you can. Use public transport, walk or cycle to your destination.
• If you must have a credit card, only have one with a low credit limit (less than $2,000, preferably less than $1,000). Only use credit cards for large expenses, such as hotel/motel room reservations. Always pay your balance in full and on time each month.
• Pay for groceries, entertainment and clothing with cash (preferred) or debit card. You’ll know your items will be paid for in full, with no interest (or other bills). Plus, buying items like toilet paper, paper towels and non-perishable foods in bulk can save money and commute time. When you’re shopping for perishable foods, only buy what you need temporarily or freeze them for future use.
• Don’t make impulse purchases. Shop with a checklist and a budget for the day’s shopping itinerary. Avoid buying things like lottery and sweepstakes tickets, vending machine items, fundraising group items, and fast food from gas stations or convenience stores (all of which can be much more expensive than what you would buy at home or at a regular grocery store. Also, Games of chance are just gambling, and since you usually have limited capital to start self-employment, you don’t want to waste money anyway).
• If you are married or living with a domestic partner, use a joint checking account to pay your utility bills and other household expenses. If you are single and live alone, use a separate checking account to pay your bills and household expenses. Ideally, you want to keep these transactions separate so you know your bill will be paid in full and on time.
• If you are married or living with a domestic partner, use separate personal checking and savings accounts for purchases. If you wish to pool funds in any way, whether for business expenses or as a bequest upon the death of a partner/spouse, please obtain accurate details of all relevant information in writing and have it notarized by legal counsel. You want to make sure that what you receive is yours in the event of a divorce/separation.
• Avoid lending money to anyone unless you know with absolute certainty that the person you are lending to will pay you back. When you lend money to others, you must clearly understand that a loan is not a gift.
• Collect the change you receive while shopping, or found on the street, at the bus stop, under the couch, etc… Roll the coins into a roll and cash them out or deposit them into your savings account.
• Collect small denomination bills, such as $1.00 or $5.00, and accumulate them until you really need them or put them in your savings.
• If you have substantial savings (>$10,000) and you are between the ages of 20-55, you may want to invest that money in mutual funds to add a form of passive income to build your own income for retirement.
• Host a garage or yard sale to get people to buy from you things you no longer need. You’ll give people what they might need/want, and you’ll make extra money.
• Sell any memorabilia or collectibles in person or via the Internet.
• Borrow library materials instead of buying new ones from the bookstore. Also, look up online blogs for the information you need.
• Make sure to stay healthy and have an annual physical if possible. There are affordable self-employed health insurance options available.
• Limit eating and/or drinking to 1-2 times per week or every other week. The cost of preparing, cooking and baking your own meals and snacks is only a fraction of the cost of paying someone to serve your meals.
• challenge yourself. See how many days or weeks you can go without breaking the bank, except for the absolute necessities. Better yet, see if you can eliminate malls or shop online.
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