Thursday, 4 February 2010

How much should I charge?

There are two important issues here:

1) How much are you prepared to work for?

Taking into account transport time and preparation; 30€ / hour does not sound as good when you factor in
- 45 minutes to get to class
- 1h30 class
- then 45 minutes to get to the next class
and therefore brings you just 45€ for 3 hours’ work
or 15€ an hour
on which you pay tax/social contributions, up to 20-22%

2) What is the going rate?

Consider where you work (Paris, suburbs, 35km from Clermont Ferrand...),
who you work with/teach (language school, retired pharmacist, multinational company, pupil in 6ème...)
and, what you are doing (translation, coaching, general English lessons, specialist lessons...)

As a guideline
- Language schools determine their own rates which are rarely negotiable. It can be anything from 35€/hour to 50€/hour, or more, depending on the type of class and the expertise required.
- A quick survey shows that individual private tuition for children or teenagers in Paris is paid about 25-30€/hour
- Language schools charge companies (as part of the "formation continue") anything from 40€/hour to 70€/hour, or more.

CIEL auto entrepreneur

Ciel has kindly put a free version of their small business software online for auto entrepreneurs.

This software package means you can manage your proposals, invoices and keep basic accounts.
It’s simple to use and can be downloaded here: http://www.ciel.com/ciel-logiciel-auto-entrepreneur.aspx

Once you have your SIRET number, you can register for the full version (still completely free).

what's coming next

I am currently working on the "what to charge" message,
and all I can find on additional paperwork (eg. numéro de déclaration d'existence)

Any suggestions welcome

Wednesday, 3 February 2010

Declaring your earnings

Taking money away from you is something French bureacracy does very well, so this is easy peasy. They will not forget you!

You either:
create an account on www.net-entreprises.fr and declare your earnings every quarter
or, wait for the Urssaf to send you a paper, fill it out and send it back.

Don't do both; it’s one or the other.

Don't declare earnings for which you have a pay slip, or you will pay social charges twice; continue to declare those every year on your income tax form.

Filling out the form

Go to https://www.cfe.urssaf.fr/autoentrepreneur/CFE_Declaration

DO NOT TAKE THIS INFORMATION AS GOSPEL! IT’S JUST A GUIDELINE BASED ON MY LIMITED EXPERIENCE!

It’s apparently very simple, and takes just 10 minutes to fill out the form. That was not my experience, and so to simplify things for others like me, here are a few pointers:

First line : EFL teachers are considered to be “activités liberales”.
Another choice then pops up : check Google but I ticked “CIPAV” as we are considered “expert”

The next lines are quite straightforward. Don’t forget to click on the ACCRE if you are unemployed at the time of taking this new status.
NB you cannot do the ACCRE declaration online; you have to print it out and sent it to the URSSAF. They will take several months to reply, and have to be chased up to get the “attestation” that you need to access unemployment benefits. Do not give up. They will send it if you call them… several times.

You also have to choose the “organisme d’assurance maladie”. According to various forums, the issue here is to choose one that has offices you can get to. This is obviously an important criterion if you live in the Puy de Dôme, 35km from Clermont Ferrand, but less of one if you live in Ile de France.

You can choose the “versement libératoire de l’impôt sur le revenu ». This means your income tax is calculated directly rather than having to fill out your income tax declaration once a year.

Finally, click on print or télédéclaration.
NB clicking on télédéclaration DOES NOT GENERATE AN AUTOMATIC EMAIL!! But don’t panic.
You have to wait up to 10 days to get an email saying they have received your file and it is being dealt with.
DO NOT fill out the form again or you will get two SIRET numbers and get caught up in all kinds of bureaucracy.