Finance for Freelancers

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Love it or hate it, business is financial so we all need to know the basics in order to build a successful freelancing business. Mark MacLeod of Freshbooks leads you through all the fundamentals in terms of invoicing, getting paid, collecting and remitting sales taxes, accounting 101, dealing with service providers, funding and taxes in this jam-packed session on finance for freelancers.

Business Économie & finance

Finance for Freelancers
1
Mark MacLeod
FreshBooks

Intro
“Today if we look
at just North
America alone, no
one excep
QuickBooks Online
has more online
paying subscribers
than
FreshBooks, making
FreshBooks the #1
cloud accounting
specialist for
small business
owners.” 2

Agenda
3
Setting the Stage
Making Money
Spending Money
Accounting 101
Funding your business
Your long term goals

Change…
5
2011
2020
16 MM
70 MM
# of full-time
professionals
# of independent
professionals
Source: oDesk & eLance 2012 annual reports

Mo’ Money…
7
Unique
Clear
Referrals!
Leverage
Have a system
Sell Value

Pricing…
8
Not about cost
Get what you pay for…
Experiment
Value not time

Value-Based Billing
9
http://www.freshbooks.com/blog/2013/06/12/breakingthetimebarrier/

Getting paid
10
Retainers
Online (credit card, ACH)
Know HOW before you start
Remote clients prepay
It’s your money!

Hiring
12
STAFF CONTRACTORS
Pros: Pros:
 Control experience  On demand
 Build team, culture  Low cost
Cons: Cons:
 Cost  Unpredictable

Hiring
13
Confidentiality
Non-solicit
Non-compete
No prior conflicts
Benefits?

Contracting
14
Work for hire
Confidentiality
Non-solicit
Non-compete

Performing Work
15
Magic ratio
Work in Progress
Measure twice, cut once

What we believe…
18
Accounting software is built for
accountants
Do what you love
Business is financial…

ABCs…
19
Assets – what you own
Liabilities – what you owe
Equity – what’s left
Balance Sheet – statement of what
you own & owe

More ABCs…
20
Revenue – what you bill your
customers
Expenses – what you pay to generate
revenue
Profit – what’s left
Income Statement – statement of the
results of your business

What you care about…
21
Invoicing
Getting paid
Expense control
Compliance

Invoicing…
22
Excel is not an invoicing tool
Online:
o Bill more.
o Save time.
o Get paid faster.
o Look more professional

Avoid
23
Data entry (just connect bank
account/ credit card)
Fancy accounting terms

Sales Taxes
24
Must collect if more than $30K in
sales
Better to collect even before so you
can recover what you pay
File quarterly

Cash Management
25
Church & State: Separate bank
accounts
Rack up points
Expenses: need to keep receipts

Entity
26
Corporation:
o More $ to setup and maintain
o Enables more income splitting
o More professional
o Limited liability
Sole Prop:
o Easy. Less costs

Sources
28
Debt
o Not available
Equity
o Complicated. Expensive
Sales!!!
o The best

Equity
29
Selling a part of your business
o Your goals?
o Alignment?
o Exit strategy?
o Do you want a partner?
o Not easy to divorce

Build what you want…
31
Business: Love every day
Life: Have a financial plan
o Clear goals
o RRSPs???
o Retirement
o Succession

Thank you…
32
Mark
@startupcfo
FreshBooks.com

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From Closed to Open: A Journey of Self Discovery

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Studio Macouno has been realizing post industrial projects for two decades. Though they’re very busy doing things like creating generative shavers for Philips and designing life size 3D printed petition elephants, those are but a fraction of what they would like to do. In this talk Dolf will explore the projects they just don’t have time for. The things the studio would love to do but can’t do on it’s own. The things that are way out there… Those that don’t seem possible, or are just too much work. The dreams that they think are a bit too much, but they just might do anyway. Objective Finding, funding and founding cooperatives for creative futurist projects. Target Audience People interested in making things today that seem ideas for tomorrow. Five Things Audience Members Will Learn Some about generative design 3d printing Art Running projects And making things happen

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1. Finance for Freelancers 1 Mark MacLeod FreshBooks

2. Intro “Today if we look at just North America alone, no one excep QuickBooks Online has more online paying subscribers than FreshBooks, making FreshBooks the #1 cloud accounting specialist for small business owners.” 2

3. Agenda 3 Setting the Stage Making Money Spending Money Accounting 101 Funding your business Your long term goals

4. Setting the Stage 4

5. Change… 5 2011 2020 16 MM 70 MM # of full-time professionals # of independent professionals Source: oDesk & eLance 2012 annual reports

6. Making Money… 6

7. Mo’ Money… 7 Unique Clear Referrals! Leverage Have a system Sell Value

8. Pricing… 8 Not about cost Get what you pay for… Experiment Value not time

9. Value-Based Billing 9 http://www.freshbooks.com/blog/2013/06/12/breakingthetimebarrier/

10. Getting paid 10 Retainers Online (credit card, ACH) Know HOW before you start Remote clients prepay It’s your money!

11. Spending Money… 11

12. Hiring 12 STAFF CONTRACTORS Pros: Pros:  Control experience  On demand  Build team, culture  Low cost Cons: Cons:  Cost  Unpredictable

13. Hiring 13 Confidentiality Non-solicit Non-compete No prior conflicts Benefits?

14. Contracting 14 Work for hire Confidentiality Non-solicit Non-compete

15. Performing Work 15 Magic ratio Work in Progress Measure twice, cut once

16. Accounting 101… 16

17. Reality 17

18. What we believe… 18 Accounting software is built for accountants Do what you love Business is financial…

19. ABCs… 19 Assets – what you own Liabilities – what you owe Equity – what’s left Balance Sheet – statement of what you own & owe

20. More ABCs… 20 Revenue – what you bill your customers Expenses – what you pay to generate revenue Profit – what’s left Income Statement – statement of the results of your business

21. What you care about… 21 Invoicing Getting paid Expense control Compliance

22. Invoicing… 22 Excel is not an invoicing tool Online: o Bill more. o Save time. o Get paid faster. o Look more professional

23. Avoid 23 Data entry (just connect bank account/ credit card) Fancy accounting terms

24. Sales Taxes 24 Must collect if more than $30K in sales Better to collect even before so you can recover what you pay File quarterly

25. Cash Management 25 Church & State: Separate bank accounts Rack up points Expenses: need to keep receipts

26. Entity 26 Corporation: o More $ to setup and maintain o Enables more income splitting o More professional o Limited liability Sole Prop: o Easy. Less costs

27. Funding Your Business 27

28. Sources 28 Debt o Not available Equity o Complicated. Expensive Sales!!! o The best

29. Equity 29 Selling a part of your business o Your goals? o Alignment? o Exit strategy? o Do you want a partner? o Not easy to divorce

30. Final Thoughts 30

31. Build what you want… 31 Business: Love every day Life: Have a financial plan o Clear goals o RRSPs??? o Retirement o Succession

32. Thank you… 32 Mark @startupcfo FreshBooks.com

Notes de l'éditeur

Employment trendsMarketplacesOutsourcingOnline presence
Costs: benefits, severance, utlization
Invoice as soon as work is done. On the go…
No GL, Chart of Accounts, Trial Balance, Accruals
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Lower taxes
Services-based business should not need outside funding!
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Finance for Freelancers

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