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If you want to work on your own, but do not know how to start this process, or have a self-employed job that is not generating good results for your financial life, the book "Finance for Self-Employed", by author Eduardo Amuri, was made for you.

It offers strategies for self-employed workers to circumvent market variations and eliminate the weakness of exercising this profession, in addition to assisting in the financial conduct of their personal business.

"There is no need for a very detailed and goal-oriented plan. You do not need to have each step planned, nor be a ninja of the worksheets, but it is essential, yes, that you gain intimacy with your model and be able to analyze with some clarity the scenario in which you are inserted".

Want to know more? Then continue reading this PocketBook and learn all about "Finance for Self-Employed"!

"Finance for Self-Employed" released in 2018, written by Eduardo Amuri, is a book that shows you how to organize your life and your money when you work on your own.

The work has 208 pages that are divided into four parts.

The first part contemplates small reflections that will help us at the beginning of our walk as an autonomous.

The second part is focused on practice, which presents tools that will solve everyday problems. Already in the third part, will be approached questions like marketing, accounting, and position in the market.

Lastly, in the fourth part are presented real autonomous' cases. How each of them organizes, what are the key points of each method and what are the main mistakes they make.

Eduardo Amuri has a degree in Computer Science from Mackenzie, an MBA in Business Management from USP, and postgraduate degrees in Economic Psychology, also from USP (Fipecafi) and in Business Strategy from the University of La Verne.

Amuri has two published works: "Money without Fear" and "Self-Employed Finance".

With a fluent and direct language and through real cases, Eduardo Amuri offers an uncomplicated way for you to develop a financial model that fits your life.

If you are a personal trainer, teacher, dentist, psychologist, coach, design, doctor, videomaker, that is, if you are self-employed and want to learn how to organize your finances, this book is for you.

What can I learn the book "Finanças para Autônomos"?

What should be the value of the product/service?;

What's the profit margin that I want to achieve with this product/service?;

Quality, effort and time in the delivery of the product/service.

Download the "Finanças para Autônomos" Book Summary in PDF for free

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What is the right price we should give to our product or service?

Dedicating a little of your time to this main point is important, however, you must be careful so that it does not become an obsession. It is important to remember that there are no fail-safe formulas.

Eduardo Amuri says in his book "Finance for Self-Employed" that the best way is to:

"Experiment, refine, try again and refine again. It is an iterative process, and the adjustments must be done in line with the market responses."

Usually, the traditional pricing model does not work for most freelancers. So we'll talk briefly about it.

This model is formed based on three factors: fixed cost, variable cost, and margin.

Fixed cost is a factor that does not depend on the level of work you perform. Whatever quantity is produced or sold, even if it is zero, fixed costs remain the same;

Variable cost, unlike the previous one, is charged according to the production. Some examples include materials' cost, supplies, and the work team's salaries;

Margin is basically equivalent to the profit that the freelancer wants to make for his product or service.

The "market price" is simply how much the market is conditioned to pay for its product or service, that is, the effective price at which a product is sold is determined by supply and demand.

If the supply is high and the demand is low, prices are reduced. If the supply is low and the demand is high, prices are increased. There is still the possibility of the manufacturer having a market monopoly so that he can control the supply of his merchandise.

Carrying on, we now have the "desired income". Here you just have to answer a question:

"What is the price to be put into practice so that you can get the income you want by working in a healthy rhythm?"

Remember to keep your foot on the ground, if you have a billing history, consider your average and maximum values.

These two models are very good for you to estimate your initial value. Because the process is interactive, you should refine this value often. Feel free to ask for feedback from your customers.

Another point that should be highlighted: Typically charging cheaply is not a good idea. According to Eduardo Amuri in his book "Finance for Self-Employed":

"Increasing market share through a differential low price is tempting and, at first, it may seem like a good strategy, but it is not."

Practicing a very low price will lead to several disadvantages, including the devaluation of your work.

Then show your customers that, to start with this, you must value your own work:

"The most overt and direct way of demonstrating to the customer that their work is valuable is by establishing a coherent price".

Deliver an unquestionable wonderful service

Usually, it is very difficult to have a market monopoly on any product or service. So there are probably competitors out there selling the same product or service as you.

Also, it is undeniable that the products/services have a certain level of similarity between them. So what do you do to be seen as a market differential?

According to Eduardo Amuri in his book "Finance for Self-Employed":

"The smartest way to get in the market while maintaining a solid name is delivering excellent service, far above average and far above expectations."

One of the most effective marketing actions is the sincere recommendation of a friend. Moreover, what are the chances that a customer satisfied with the product/service received will not recommend it to their friends?

It is important to note that in addition to high technical knowledge you need more of your time to offer a higher quality product or service, your dedication must be present with what you are offering.

Of course, compared to the situation of delivering a medium product/service, you might think, "Oh! But won't I be overworked like that?" Possibly yes. However, compare the results. Amuri says that:

"The customer delighted with good service must surely have three or four friends who find themselves in a similar situation and who would love to hire a professional like you".

Thus, the disclosure of your work will become organic and fluid. Keep in mind that delivering a medium product/service is doing the worst for yourself.

Grant Sabatier in "Financial Freedom" says financial independence is to be free to do whatever you want. You can have this.

Making a lot of money quickly is possible. Having more time is possible. Living life on your own terms is possible. You have a unique opportunity that many do not have. You really can have all the money you need.

In the book "The Total Money Makeover", author Dave Ramsey gives the following tip:

"Although you know you need to adjust your financial situation, you can not change everything at once."

So you have to take it one step at a time, that way you will make a gradual breakthrough and stay motivated, without radical changes in the short term.

Another work that also explores the subject is "Work 4 hours per week". Tim Ferriss says that instead of working hard for the rest of his days in an office, waiting for retirement, start enjoying life today, from mindset change.

Okay, but how can I apply this to my life?

Financial intelligence is already essential for those who have a fixed salary, and even more for those who do not have it, the self-employed.

In order for your relationship with money to improve, the author recommends that you create the habit of talking about it, constantly.

"Find partners. Build relationships where talking about money is valid, it's normal. If they are business colleagues, better yet, at some point you will face similar situations, share the same pain and can benefit from the same solutions."

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Discover how to increase the profitability of self-employment and prepare to face any situation in this volatile market, managing your life in a sustainable and intelligent way.

Finanças para Autônomos - Eduardo Amuri

Discover how to increase the profitability of self-employment and prepare to face any situation in this volatile market, managing your life in a sustainable and intelligent way.