Arrange financial matters? - The Nibud helps!
"The National Institute for Budgetary Information, Nibud? Doesn't that know everything about pocket money and debts? What can Nibud mean for me as an entrepreneur? ” Until the crisis, this was a frequently heard comment from entrepreneurs. But since then, entrepreneurs have also found the Nibud good. Because that as an entrepreneur you also know everything about money matters is of course a farce.
I see it every day at home, my husband has been a self-employed person for more than 5 years now, and things are going well, very well indeed. But he doesn't understand his finances. His bookkeeping is literally in a shoebox. And I really have to tell him every year that he still has to pay a lot of tax on his profits. And every year he asks me: "Why do I have to pay an income-related health insurance contribution to the Tax Authorities, I already pay health insurance premium?"
We understand these kinds of questions at Nibud. And we like to help the entrepreneur on his way in arranging his finances. It starts with the question: how much money do you actually need every month to run your private household. At Nibud we already have these kinds of figures ready. The Nibud internet tool Personal Budget Advice helps to list all expenses. And in the Money Book for entrepreneurs, which can be downloaded for free at https://www.nibud.nl/consumenten/zelfstandig-ondernemer/ explains exactly how an entrepreneur can arrange his financial affairs.
This helps entrepreneurs to determine the minimum amount of money that must be received monthly. This gives you financial peace of mind and helps you assess whether you accept certain assignments or not. Only not always. I have a self-employed person at home who never says no to assignments, even if he doesn't actually have the time. Because yes, you never know, maybe no orders will come in after this month ...
Gabriëlla Bettonville is Communications Manager at Nibud.
And has a partner who is self-employed.