How to pay a freelancer with a minimum commission. Facilities and services. Tax regimes for freelancers

When starting freelance work, you need to take care of all the nuances and details in a timely manner. You need to plan all the intricacies of completing projects while you have time for it. Once you start completing projects one after another, you will have less and less free time to plan. One of the important details is wages. You need to make sure that the issue of payment is resolved in advance.

What payment methods are there?

Freelancing has a large number of payment options. Some people accept money to their current account, others just to a card, and others to special electronic wallets like Yandex.Money or WebMoney. It all depends on where the person is going to transfer money next and in what form he needs it. You can even agree with the customer to pay in cash during a personal meeting. It all depends on you.

To know what and how best to do, you need to understand how popular payment methods work, what is needed for this and how they differ. Let's look at each of these methods in more detail.

Advantages and disadvantages of popular payment methods

Freelancing uses all possible payment methods that the system itself offers us. In addition, people can themselves suggest how they will accept funds. The most popular methods are payment by card directly and payment by e-wallet.

Payment by card. This is a very simple and convenient way for both parties, provided that both have a bank card from the same country. Transfers to another country get a little more complicated here. For this you have to pay large commissions and such a transfer is not always possible in principle. But in general, this method is the most convenient for both parties, since money is transferred instantly and with virtually no losses (no or small commission).
Payment via electronic wallet. This includes WebMoney, Qiwi, Yandex.Money. All these electronic wallets have one big advantage - you do not disclose personal data to anyone and do not risk your payment details in any way. If something happens, they can be changed without problems in a few minutes. In the case of a card, for this you will have to go to the bank and spend your time on it. In addition, electronic wallets allow you to pay for almost everything that can be paid with a regular card, which makes them more attractive for use. In addition, some e-wallets allow you to create a virtual card. It is no different from a regular plastic one, except that you will not physically have it. It will be virtual. But there is a “but”. Such payment systems, as a rule, charge large commissions for use. Especially if you are going to cash out your money. In some cases, you have to use exchangers to transfer money first to a regular plastic card, and then cash it out. It all depends on the e-wallet itself, but in any case, these amounts are much higher than with credit cards.
Cash payment. Here, it would seem, everything is clear. Among the advantages - you receive money immediately, you don’t need to withdraw anything, cash out in any way, or pay commissions. You have the money here and now. But, among the disadvantages, there is no anonymity, you need to personally meet with the customer and spend time on this.
Payment through the exchange itself. Some freelance exchanges offer their clients to use their payment systems. They have a balance on the website, which can be withdrawn at any time in a way convenient for you. This is beneficial to both parties, since the customer simply deposits money in the way that is convenient for him, and you withdraw it in the way that is most convenient for you. The exchange itself controls all financial processes and takes only a small percentage for this.
Payment to bank account. Legal entities or companies rarely want to pay in cash. It is much easier for them to pay everything into a bank account. To do this, the freelancer must be an entrepreneur and registered as a sole proprietor. Then he will be able to accept such payments through the bank and then cash them out without any problems, while paying all taxes and fees. This is convenient for working with legal entities, but requires some effort to prepare documents. This is more complicated than simply accepting money onto a card.

How to choose a payment method

First of all, it is necessary to determine based on plans for the use of funds. If you want to cash out this money, choosing an e-wallet payment method is not a good idea. Exceptions may occur if you are accepting payment from another country. Then there are often simply no other options. But there are more profitable ways to accept payments within the country in order to cash out this money later.

If you are going to use this money to pay via the Internet, you can accept it either on a card or on an e-wallet. But, as practice shows, many people prefer to store money on a plastic card. Therefore, if you are a supporter of this opinion, you should not spend money on commissions when accepting electronic wallets. Transferring from there to the card will cost you a lot. Moreover, this is not always very easy to do. Such payments are often processed manually or require the use of special exchangers.

If you don't know which payment method to choose, try different options. Only by comparing, you will finally decide where it is easier and more profitable to accept money. Later you can choose another method if you are not satisfied with the initial choice.

When the payment method has already been selected and you have prepared the necessary tools for the job, you can start working on projects. But if you don’t know how and where to start working as a freelancer, try yourself as a executor of coursework, diplomas or tests on the Avtor24 exchange. Here you can earn serious money from your knowledge, which can be derived using any of the above methods.

When, after many sleepless nights, your diploma is finally ready, you want to submit it and forget it. But the university will not easily leave the student alone. After all, only the academic supervisor read the full text of the diploma, and a whole commission will gather to evaluate it. Therefore, in many respects, his grade depends on how the student defends his diploma.

So what is a successful defense?

competent defense text
positive review of the diploma
confident answers to the commission's questions

In the introduction to the coursework, it is necessary to indicate many important points. One of them is methodology. The student is required to indicate what methods he will use when researching the topic. This is not the easiest task, and often students cannot cope with this task themselves. In this case, you can contact us. Our specialists will write you a paper of any complexity, and you can discuss the price with them personally.

Speech structure

Of course, what exactly to say during the defense depends mainly on the topic of the thesis and what exactly is written in it, but there are general recommendations that are suitable for everyone.

First, you need to greet the members of the certification commission. (“Dear members of the certification commission! We present to your attention a final qualifying work on the topic...”)
Introductory part. Here you need to reveal the topic and identify the issues that are addressed in the work.
Relevance of the topic. At this stage, it is important to prove the relevance of the chosen topic and the degree of its development in other people’s works. Identify the subject, object, objectives and purpose of the study.
The structure of the topic. Here you just need to list the paragraphs that are in the work and briefly describe them.
Formulation of the problem. To confirm the relevance of the topic, it is necessary to state the problem and outline controversial opinions on this matter.
Conclusions. At the conclusion of the speech, the commission should hear the conclusions that the student came to while writing his thesis, which contain ways and methods for solving the stated problems.

On the one hand, it seems that it is much easier to write a speech for a diploma than the diploma itself. However, high-quality speech is a skillful extraction from the work, as well as its competent presentation. And it often happens that the thesis is written with the highest grade, but the student receives a worse grade. Therefore, if you are unsure of your abilities, you can order a speech on our website. And then the likelihood of failure due to poor speech will disappear. After all, we give a twenty-day guarantee on the work, and if something doesn’t suit you, you can ask the author to revise the order for free. We make sure that students are satisfied, so if the final version of the work does not meet the stated requirements, you will get your money back.

Formal requirements

When writing a speech for your thesis, you must also take into account that there are purely formal requirements.

Time. Do not forget that there are many students, but one commission. Therefore, the time for defensive speech is regulated and ranges from 5 to 7 minutes. At the same time, you should remember the time it will take to answer questions from the commission.
Intonation. Where else is it important to win over your listeners during your thesis defense? Therefore, it is better to read the speech not monotonously, emphasizing intonation.
Style. When presenting a speech, it should be remembered that the main goal is understanding on the part of the commission. Therefore, you shouldn’t be too “clever,” but you also shouldn’t switch to colloquial speech. In this matter, a golden mean must be observed.
Pronouns. As in the diploma itself, during the defense it is important to remember that although the author of the diploma is clearly stated, there are a lot of true owners of the knowledge reflected in the work (the authors of all the sources on which the student relied plus the supervisor), so first-person pronouns are not appropriate here.
Questions. After the end of the speech, questions from the commission will inevitably follow, and you need to be prepared for them. You need to write down the expected questions as you write your thesis, work through all the questions that arose during the pre-defense, and you can also look at the questions at the end of chapters from textbooks on this topic.
Pre-protection. In a matter such as thesis defense, it is better not to be arrogant and neglect pre-defense. You can use it to practice giving a speech and write down possible questions from your listeners. This will allow you to feel more confident during the official defense.

Of course, these are just recommendations, and no one forces you to strictly follow them. However, discarding some positions during the defense will create additional questions from the certification commission, which is not always loyal. Therefore, it is best to think through all possible questions and answer them in advance in a defensive speech. Then teachers will have a minimum of questions, and they will be grateful for the time saved.

Which payment is more profitable for freelancers?

In this article we will discuss the question - which payment is more profitable for freelancers: hourly or per project? Let's take a look at the statistics on the growth of the freelance economy:

There are more than 53 million freelancers in the United States and they contribute more than $715 billion to the economy.
There are more than 1.4 million freelancers in the UK, a number that has grown by 34% over the past ten years.
in Europe, the number of freelancers has grown by more than 45% over the year.

Based on these data, we see: the number of people who find themselves in freelancing is constantly increasing. Each of them has developed certain criteria for remuneration. Let's find out which payment is more profitable for freelancers: hourly or per project.

Pros: payment per project

According to freelancers, hourly wages have two major disadvantages, here are the arguments:

Earning opportunities are limited. If you are paid hourly, you will work less efficiently than if you pay per project. On the other hand, if you take responsibility for the project, you will be incentivized to complete the project faster and get paid.
Clients feel more comfortable paying per project. Let's say you are an author, your client wants to receive a document on a certain topic. You already have a lot of experience in this topic, and you know that you can finish the task in a couple of hours. The cost of the project is 500 USD, if you charge hourly, then 1 hour = 250 USD. The client will probably refuse such a high fee and will look for lower prices.

Pros: hourly pay

Freelancers who insist that an hourly rate is much better say the following:

When a freelancer sets an hourly rate, they have much more control over their working hours and pay.
Often the scope of the project changes. By working without a flat rate, you will spend more time without additional pay.
Let's say a web designer estimates that it will take 15 hours to create a website. He set a fixed hourly rate. While working on the project, the client wanted to make changes. In this case, the designer will be able to bill for additional hours of work.

Which payment is more profitable for freelancers: the golden mean

what payment is more profitable for freelancers: the golden mean

The biggest mistake freelancers make is deciding to work in only one scenario, with no exceptions.

In fact, freelancers must analyze each client, taking into account their needs, and then determine the payment: hourly or per project.

Long-term or permanent project

A freelancer can go crazy trying to figure out what to charge for each piece of long-term work. The problem is that all the details of each task must be analyzed and their cost assigned. It is much better to charge hourly.

The client is not sure about the volumes and timing

When a client presents a project with no specific scope or completion time, the freelancer is forced to “go with the flow” as the project progresses. In such cases, the client can increase the amount of work. If a flat fee has been provided, the freelancer will do the extra work for free. In this scenario, the hourly rate is much more profitable.

If a freelancer works quickly

Every freelancer works at a different speed. Those who tend to work slowly will earn more income if they charge hourly. Accordingly, those who work quickly need to set payment for the project.

Hourly wages will make it difficult to increase rates

If a freelancer sets an hourly rate, he can limit his income. For example: the first client recommends it to another. Accordingly, another client wants to pay at the same rate that was recommended. In such a situation, it will be more difficult to increase the hourly rate. It's easier to raise your bid if you charge per project because a number of factors go into determining the price.

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Clients don't understand the complexity of your work

This happens very often to designers, developers and writers. Let's take an example: a client wants a blog to be maintained with fresh posts on a regular basis. In the client's eyes, the writer simply sits down and writes.

In fact, a writer should spend time researching thematic ideas and the popularity of those themes; research the popularity of keywords; study what competitors write about; he also has to work on identifying the target audience and their needs for information, entertainment, etc. Finally, this writer sits down and creates the text. Even if he works quickly, his skills are valuable and worthy of reasonable compensation. One task may take an hour; the other is three.

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Motivation to work faster

A freelancer who is paid by the hour takes longer to complete a project. Sometimes this can irritate the client who thinks he is not working fast enough. And this may indeed be true.

By charging for a project, you aim to work faster so you can complete the task sooner and move on. We tried to collect the maximum number of arguments to understand which payment is more profitable for freelancers, we hope that you will find the right solution.

Summarize

Freelancing is the ability to freely set prices based on the entire market, specific project and client. It is important to evaluate each project and determine which payment method will generate the most revenue. If you get the job done quickly, charge per project. If you know that a task will take a long time, negotiate an hourly fixed cost. Just make sure you don't go beyond market prices.

When working online, it is important to have a good understanding of the different payment methods. If you only have one option for receiving money, you may well miss the order: some clients may not be comfortable with it, and they will choose a freelancer with the e-wallet they need. In addition, when working on foreign freelance exchanges, local payment methods may not be suitable, and you will have to urgently look for alternatives. Today’s article is about all this.

The listed methods are mainly useful to individuals, however, most systems provide the opportunity to register as a legal entity or individual entrepreneur.

Payment in the CIS

This includes all payment options that are feasible when working with customers from the CIS. However, Ukrainians may not have access to the Yandex.Money system wallet.

1. Bank card

The simplest and most obvious way. The customer simply transfers money to your card, and you spend it.

You don't lose a penny on commissions: withdrawing money from your ATM is free

You don’t need to worry about how to withdraw money from your e-wallet; after the transfer you can spend it immediately

Almost everyone now has bank cards, you don’t need to get a special one for this

A relatively new system, which, however, already works with most foreign freelance and stock exchanges.

You create a personalized card, the balance of which is combined with your account in the system, or simply withdraw funds from the account to any bank card

You can choose your account currency

Earnings from stocks, Fiverr, Freelancer, even from the Airbnb affiliate program can be immediately withdrawn to Payoneer

It is possible to issue an invoice for payment, which simplifies interaction with the customer

Affiliate program with nice bonuses: for example, when you register in the service using this link you will receive $25 to your account

You can withdraw money from PayPal in dollars without conversion

– commission for withdrawal or withdrawal of cash $3.15 + percentage for withdrawal in a certain country (in Russia 1.8%)

– complex registration with entering passport and bank details, waiting for approval

– on the system forum, some complain about ATMs refusing to withdraw dollars (solved by withdrawing in rubles)

- the system is opaque: in fact, you do not have a bank account, it is one common account divided among all participants in the system, and reviews often write about stolen money (and the system “as a gesture of goodwill” returns half - the feeling that it is theirs) and steals)

4. Skrill

Easy registration

Works with microstocks and freelance exchanges

Quite popular among foreign freelancers

– high commissions for conversion and withdrawal of funds (from 7% for withdrawal to a card, 3.99% for conversion)

– you cannot order a card without VIP status; to obtain it you need to pay the services of system partners for 6,000 euros for 3 months

a bank card of the country in which you live, with an account in the national currency and in dollars or euros (at Alfa Bank and Tinkoff, for example, you can open a multi-currency card);
electronic wallet: Yandex.Money, QIWI or WebMoney;
foreign wallet: PayPal or Payoneer.

Write in the comments what methods do you use yourself?

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Every working Russian, including freelancers, is required to pay taxes on any income, regardless of its size. So if, in addition to your salary, you received, say, 1 thousand rubles for the year for mittens knitted to order by a friend, you will have to deduct tax from this amount.

Tax regimes for freelancers

You need to pay as an individual or as an individual entrepreneur (IP), depending on the activity. If it generates income with a frequency of 2-3 times a year, then it can hardly be classified as entrepreneurial, because it is periodic and unstable in nature. Then there is no need to register as an individual entrepreneur to pay taxes.

If your activity is aimed at systematically making a profit, you need to register as an individual entrepreneur (clause 1 of Article 23 of the Civil Code of the Russian Federation).

When receiving income, an individual must submit a tax return for personal income tax and attach to it documents confirming the receipt of this income (service agreement, receipt, etc.). This can be done in person, through a representative with a notarized power of attorney, electronically, or sent by mail.

An individual entrepreneur can choose from several tax regimes. I would recommend considering two options:

simplified taxation system (STS) with a rate of 6%, which is paid on income, or with a rate of 15% on income minus costs incurred;
patent tax system (PTS) with a rate of 6% of potential income (basic income for each type of activity, which is established at the regional level).

Let’s imagine that a designer earned 2 million rubles in a year, but the basic income in his city is set at 500 thousand rubles, in which case he will have to pay the state 6% of these 500 thousand rubles, and not of the entire amount - that is the tax will be 30 thousand instead of 120 thousand.

However, it must be taken into account that an entrepreneur, regardless of the taxation system, is obliged not only to pay taxes, but also to make insurance premiums and additional insurance contributions for himself and his employees.

A freelance entrepreneur must pay for himself:

compulsory pension insurance. It is calculated using the formula: minimum wage (currently equal to 7.5 thousand rubles) * 12 * 26%, which is 23.4 thousand rubles. This formula is valid when the individual entrepreneur’s income for the year does not exceed 300 thousand rubles. The rule for calculating the additional contribution for income over 300,000 rubles per year is as follows: 1% of the amount over the limit is charged, but not more than 163,800 rubles;
compulsory health insurance. It is calculated using the minimum wage formula * 12 * 5.1%, i.e. 4,590 rubles.

The freelancer must pay insurance premiums for himself by December 31 of the current year. You can do this in parts.

Advantageous option

It makes more sense to use the patent system if you are confident that real income will significantly exceed the basic income established for your region. Otherwise, it is better to choose a simplified system with a rate of 6%. But the tax rate of 15% under the “income minus expenses” system is most suitable for those whose activities involve a large number of costs.

Under a simplified taxation regime, an entrepreneur can reduce the amount of tax by the amount of insurance premiums he has paid. Therefore, the taxes that a freelancer pays as an individual entrepreneur are most often more profitable than the taxes that an individual is required to pay.

How much do freelancers pay?

Deadlines for paying taxes

The declaration under the simplified tax system, as well as the tax reporting of an individual, is submitted once for the entire calendar year.

An individual payer must submit a tax return no later than April 30 of the year following the expired tax period. If this date falls on a weekend or holiday, the deadline is moved to the first working day after that. The tax itself must be paid by July 15 of the following year.

An individual entrepreneur must also report to the tax office by April 30 (except in cases where the individual entrepreneur ceases its activities or if it has lost the right to apply the simplified tax system). At the same time, taxes must also be paid before this date (Article 346.21 of the Tax Code of the Russian Federation).

Tax breaks for freelancers

Since a freelancer is an individual, he has all the tax benefits provided for individuals: standard deduction, social deduction or property deduction.

He can also take advantage of benefits in the form of exemption from income tax on benefits from the state, pensions, subsidies, employee compensation, alimony, financial assistance from the employer, income from the sale of real estate, provided that he has owned it for more than three years.

Fines

If a freelancer fails to pay taxes, he faces penalties and criminal liability.

According to the Tax Code of the Russian Federation, for violation of the deadline for submitting a tax return, a fine is provided in the amount of 5% of the amount of tax (insurance contributions) for each month, but not more than 30% of the specified amount and not less than 1,000 rubles. Also, the tax debtor will have to pay 20% of the unpaid amount.

For tax evasion and provision of knowingly false information to the Federal Tax Service, criminal liability is also provided in the form of:

a fine from 100 thousand to 300 thousand rubles or in the amount of wages for a period of up to two years;
forced labor for up to 1 year;
arrest for up to 6 months;
imprisonment for up to 1 year.

The issue of wages is perhaps the most pressing in freelancing. Most often, problems arise due to the legal impropriety of transactions, but no less often they appear at the negotiation stage.

On the one hand, copywriters, SMM managers, targetologists, directologists, designers are absolutely the same professions as a journalist or advertising platform sales manager. These are independent professions that are decently paid. An experienced freelancer always has an income that is not comparable to that of an office worker, and a freelancer sees returning to the office only in his worst nightmare.

On the other hand, clients do not take freelancers seriously and do not understand the value of their work. Customers often encounter scammers and incompetent specialists, and as a result, they waste their budget, if not on paid tools, then on the salaries of these would-be specialists. You often see a “freelancer-customer” couple that cannot start working because everyone is trying to defend their interests: the freelancer insists on prepayment, the previously deceived customer assures that he will pay for the work based on the result.

How to determine your salary or pay to the performer? I'll tell you my view on this problem.

Payment options for freelance work

Fixed fee

In my opinion, this is the simplest and most honest form payment for freelance work. There are average market prices for freelance services. If you have evidence in the form of cases of your expertise, ask for more. If the customer came to you based on recommendations, the advice is similar. You're just starting out, which means the prices are minimal.

How to determine the monthly payment for your services?

I like to break down all the work into individual tasks. VKontakte administrator, for example: writing 45 posts per month, communicating with participants, cleaning spam, holding 1 competition per month. All! Now we evaluate each job, add it up and get the monthly salary amount. With this approach, there is no risk of assigning additional work to the freelancer. Everything is extremely transparent.

What risks arise with fixed payment for freelance work?

A freelancer, in my opinion, has none. Especially if you pay in advance. If the customer is against prepayment, I advise you to ask for a weekly payment for the first month. The customer has more risks, but this is if he himself does not understand the control of performers. The customer’s main fear is to pay money and not get results. Here you just need to understand:

Has your business already brought results?

How soon do you expect results from a particular channel?

Are you hiring a competent specialist (how to hire one is the topic of a separate article)?

And, most importantly, come to terms with the fact that work should be paid according to its merits!

Everything you do is your own business risk.

For a percentage

An ideal option for the customer and very promising for the contractor. There are two common options for piecework payment for freelance work:

From the advertising budget. This option is more common when paying for the services of targetologists and directologists. Payment method is unclear to me. How does the amount of work depend on the amount of money? More ads and audiences to test? Maybe. But another option is also possible, when extensive settings are set and the budget is adjusted. Again, if the budget is small (10,000 - 15,000), then the specialist needs to do no less work. Don't know. I don’t see the logic in this type of payment...

From sales. A very interesting payment method. Optimal for the customer. With this method, the customer has no risks in principle, but freelancers do. Because the payment method is not very transparent. Before agreeing to work for a percentage of sales, consider the following points:

whether the funnel and sales process are built;

how sales are tracked;

what analytics systems are installed;

how web analytics systems are configured.

You can well increase your income level with this payment method, and you have more than enough motivation. But you need to be prepared for the fact that for the first 2-4 months there may be a small salary. Perhaps for this period of actual testing, it is worth discussing a minimum fixed payment. It can be defined similarly to the first point.

Fixed payment for results

This payment method is similar to a percentage of sales. Only it is expressed not in relative values, but in absolute ones. For example, 100 rubles from each appointment with the hairdresser.

Barter - non-standard form of payment for freelance work

In my opinion, this payment option is more suitable for new freelancers. Sometimes it is much more profitable for the customer to pay for the services with his own goods and services. For example, give a gym membership. The customer bears almost no costs and does not feel any risks; it is easier for him to overcome this barrier. At the same time, you spend 2,000 - 3,000 rubles every month. for a subscription, and now save this amount. Everyone is happy.

I would be glad if you share your experience of interacting with a customer or freelancer. Remember that you should always start working with a test period, usually 2-4 weeks. Testing is paid at a fixed rate, after which you understand further prospects for sales and wages.