How to Receive Payments as a Freelancer: Bank Transfer, MB Way, PayPal and the Rest
Bank transfer, MB Way, PayPal, Wise, cash — all are legal. What truly matters is always issuing an invoice. Full guide with the rules and limits.
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News, tips and guides for independent workers
Everything you need to know about invoicing, VAT and Social Security in Portugal.
Coefficient 0.75 vs 0.35: The Difference That Could Save You Thousands a Year
In the simplified regime, the state estimates your expenses without requiring receipts. The coefficient determines what portion of your income is taxable — and the difference between 0.75 and 0.35 can be enormous.
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The Client Wants to Pay Without a Receipt? How to Handle This Situation
A situation every freelancer has faced. The client suggests paying cash, no paperwork. How to respond professionally — and protect yourself.
Five Stories of People Who Conquered Their Fear of Accounting
Nobody is born knowing how to fill in tax returns. These five real stories show how ordinary people went from total panic to a 15-minute monthly routine.
I Have Several Clients with Different Conditions — How Do I Keep Track?
Client with withholding tax, client without withholding, foreign client. For each: how to issue the invoice, what to select, and what gets recorded. Summary table included.
Letter to My Past Self: What I Wish I'd Known About Accounting Before Starting
An honest letter for anyone about to open their freelance activity — with everything my three-years-ago self needed to hear but nobody told me.
Social Security for Freelancers: What You Pay and Why
In your first year of activity you are fully exempt from Social Security — 12 months at zero. After that, the contribution is 21.4% on 70% of the previous quarter's income.
Late VAT Declaration? Here's How to Fix It Right Now
Missed the quarterly VAT deadline? Don't panic. A step-by-step guide to sorting it out, understanding the fine, and making sure it never happens again.
Social Security for Freelancers in Portugal: When to Pay, How Much, and How Not to Overpay
Practical guide to Social Security contributions for independent workers: first-year exemption, calculation formula, deadlines, and how to adjust if your income drops.