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Ask HN: Where to Invest Freelance Earnings?

6 pointsby nikokreabout 4 years ago
I&#x27;ve just been paid by my first client (yay!).<p>My issue is, I&#x27;m still living on student grants and I&#x27;m not allowed to earn over a very small threshold, otherwise my student grants would be revoked (retroactive). Fortunately, only the net income (not revenue) is looked at once I hand in my taxes next year.<p>I&#x27;m self-employeed as a freelancer (in Germany) and can write off a lot of things as business expenses.<p>The legal details aside - just assume the general expenses can be written off – what would you recommend me to invest in, to establish my business, grow my personal brand and get more clients in the future?

9 comments

adithyasrinabout 4 years ago
You can get work equipment and if you have a separate room for work (look up the definition in Germany, it&#x27;s no bed and has to have a door), you can get nice workstation setup.<p>Any domains you get, services you pay for are also deductible. You could hire people to improve your website or marketing, get good copywriting done and pay for those and write those off.
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mattmanserabout 4 years ago
If Germany companies work like UK companies, you can setup a company, pay corp tax on your profits and leave the money in the company.<p>Then a in a year or two you can take the remaining money out using dividends.<p>Fundamentally, it&#x27;s a tax inefficient way of doing things, but it&#x27;s the company making the money, while you&#x27;re only earning whatever smaller amount you pay yourself.<p>Bit late for this income, as you&#x27;ve already been paid.
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obayessheltonabout 4 years ago
Depending on your location you could setup a two level company structure.<p>Parent -&gt; Child<p>You invoice from Child and pay yourself and any costs from Child.<p>At the end of every year Child pays Parent any profits.<p>Parent can then use profits to: Investment, Buy Property, Create another Child that might make money
andrefuchsabout 4 years ago
Invest in yourself. Grow your personal brand and character&#x2F;personality.<p>[DE]Glückwunsch zum ersten Kunden![&#x2F;DE]
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imhoguyabout 4 years ago
I am not an accountant.<p>What if you setup GmbH and accumulate wealth there with no limits? Then it can pay you a small salary for private expenses to match your student grant limit. I think the grant should not limit you to be company owner&#x2F;shareholder, unless you earn dividends.
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kleer001about 4 years ago
Subscriptions to an SAAS ? Are there any premium tools out there you could use? Some extra disk space? Premium hardware?
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sdgasgabout 4 years ago
Online education, networking events, business cards.
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jklein11about 4 years ago
How much money are you trying to burn?
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dave_sidabout 4 years ago
Give it to charity