作為一名自由職業(yè)者,如何能保證準(zhǔn)時(shí)收到報(bào)酬?
作者:一只西柚
2017-08-21 10:19
One of the most stressful things about being self-employed is managing your cash flow. This is especially difficult when clients don’t pay you on time. What can you do to make sure your invoices are handled promptly? And if a client is late, how should you address it, especially if you want to work with this company again? Is there ever a point at which you need to involve a lawyer?
作為一名自由職業(yè)者,最重要的事情之一就是資金流動(dòng)管理。但是,如果客戶不按時(shí)支付報(bào)酬,維持現(xiàn)金流就會(huì)變得極其困難。如何才能讓客戶盡快支付報(bào)酬?客戶未按時(shí)付款、又想繼續(xù)與客戶合作時(shí),如何提醒客戶及時(shí)付款?是否需要請(qǐng)律師介入?
What the Experts Say
專家怎么說
專家怎么說
When freelancing is your primary source of income, you have to be meticulous and organized about keeping your books, according to Jon Younger, the founder of the Agile Talent Collaborative, a nonprofit research organization and the coauthor of Agile Talent. “If you’re not disciplined and rigorous about getting paid, you will not succeed?!?And yet, even if you do everything right, clients can still be frustratingly late with their payments. Over 70% of freelancers have trouble getting paid at some point in their careers, according to research by the Freelancers Union, the nonprofit group that promotes the interests of independent workers. “When you’re on your own freelancing for a big company, there is a fundamental power imbalance,” says Caitlin Pearce, director of advocacy and member engagement there. So if your paycheck doesn’t arrive on time, “You think, ‘What did I do wrong?’” Here are some strategies to help you run the “billing department” of your freelance business.
非盈利研究機(jī)構(gòu)Agile Talent Collaborative創(chuàng)始人、Agile Talent聯(lián)合作者Jon Younger表示:“如果自由職業(yè)收入是你的主要收入來源,那么你必須好好記賬。只有記好每一筆賬、及時(shí)催款、收款,你才能成功?!敝铝τ跒樽杂陕殬I(yè)者爭取利益的非盈利組織Freelancers Union的一項(xiàng)研究顯示,即使自由工作者出色地完成了工作,客戶也會(huì)拖延付款。超過70%的自由職業(yè)者在其職業(yè)生涯中都遇到過這種問題。該組織宣傳部長及成員Caitlin Pearce表示:“當(dāng)你的合作對(duì)象是一家大型公司時(shí),你們之間有著明顯的力量差距?!彼匀绻銢]有按時(shí)收到報(bào)酬,“你就會(huì)想‘是我哪里做的不好嗎?’”下面這些策略可以幫助你運(yùn)行自由職業(yè)的“結(jié)算部門”。
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Do your homework
做好背景調(diào)查
做好背景調(diào)查
The best way to ensure you get paid in a timely manner is to work only for reputable, well-funded companies that treat freelancers with dignity and respect. This requires due diligence, Younger says. “Before you respond to a request or knock on a door in a marketing capacity, you need to establish that the company can pay you and will pay you,” he says. Pearce recommends talking to other freelancers who’ve worked for the organization about their experiences. Inquire with the company’s full-time workers, too. “Ask about the corporate culture,” she says. “ How it treats employees is a good indicator of how it treats freelancers.” The bottom line: Don’t work with clients who have a bad reputation.
確保及時(shí)獲得報(bào)酬的最佳方式是只與信譽(yù)良好、資金充足的公司合作,這些公司比較尊重自由職業(yè)者。Younger表示:“你需要充分了解你的客戶。在接受工作之前,你需要確保這家公司能夠支付相應(yīng)的報(bào)酬,并且會(huì)及時(shí)付款?!?Pearce建議,在接受工作前,先與其他與這家工資合作過的自由職業(yè)者們進(jìn)行交流,也要與公司內(nèi)的全職工作者們進(jìn)行溝通?!傲私庖幌逻@家公司的企業(yè)文化,公司如何對(duì)待全職員工,一般也會(huì)如何對(duì)待自由職業(yè)者?!钡拙€:不要與聲譽(yù)不佳的客戶合作。
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Get organized
做好規(guī)劃,有條不紊
做好規(guī)劃,有條不紊
Next, you need to consider how you will bill your clients. There are many ways to go about it, and “there are pros and cons for each,” Younger says. Choosing to be a “truly independent worker” and handling all the invoices on your own requires more bookkeeping — and potentially more headaches — but all profits go to you. (Thankfully, there are numerous tools and apps that automate the process) On the other hand, being part of an “online talent platform that connects buyers and sellers” — means less legwork and less paperwork because “they collect the money for you”; however, these platforms also take a cut of your earnings. Regardless of what you choose, it’s smart to seek out the advice of an accountant from time to time, Pearce says. “Most freelancers do not use accountants for bookkeeping” but instead as “periodic consultants.” They “help you prepare taxes, make sure your costs are under control, and ensure your business is structured properly.”
接下來,你需要考慮如何向客戶收取費(fèi)用。收費(fèi)的方法有很多,Younger說:“每一種都各有利弊”。如果你選擇事事親為,自己處理工作清單,那么你需要花費(fèi)更多時(shí)間在記賬上—這也意味著更多麻煩—但是你會(huì)獲得更多盈利(幸運(yùn)的是,如今有很多工具和應(yīng)用程序可以自動(dòng)幫你處理賬簿)。另一方面,使用“連接買家和賣家的在線人才平臺(tái)”—可以減少外出工作和文書工作量,因?yàn)檫@些平臺(tái)“代你收款”。不過這些平臺(tái)也是收費(fèi)的,因此會(huì)減少你的收入??偟膩碚f,無論選擇哪種方式,最好都要經(jīng)常與會(huì)計(jì)師溝通,Pearce說:“大多數(shù)自由職業(yè)者不會(huì)雇傭會(huì)計(jì)師進(jìn)行記賬”,而是選擇“定期咨詢會(huì)計(jì)師”。實(shí)際上,會(huì)計(jì)師“幫助你報(bào)稅,確保支出得到控制,并確保業(yè)務(wù)安排合理”。
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Get it in writing
書面協(xié)議打消后顧之憂
書面協(xié)議打消后顧之憂
Before you start working on an assignment, you need a contract that lays out the scope of the project, the payment terms, and the expectations for both sides. “Don’t believe in a handshake,” Younger says. Informal agreements are the source of almost every payment problem, so be sure “to get everything in writing.” For small projects an email chain will often suffice, but for longer engagements “it is worth working with a lawyer,” Pearce says. Most freelancers have a standard template contract that they alter for different clients. “When you can, work with your own contract,” she says. “You know what’s in it, and it has terms you can live with and negotiate from.” The Freelancers Union has several templates on its website, as well as an app that connects freelancers with attorneys who represent independent workers.
在開始任務(wù)之前,你需要擬定一份合同,規(guī)定項(xiàng)目詳情、付款條件和雙方期望。Younger說:“不要相信握手就能代替合同。”非正式協(xié)議幾乎是所有拖延付款問題的根源,所以一定確?!耙詴嫘问竭_(dá)成協(xié)議”。對(duì)于小型項(xiàng)目來說,通過電子郵件來達(dá)成協(xié)議通常就足夠了,但是對(duì)于周期較長的項(xiàng)目來說,Pearce認(rèn)為“需要與律師合作”。 大多數(shù)自由職業(yè)者都有一個(gè)標(biāo)準(zhǔn)的模板合同,根據(jù)不同的客戶和項(xiàng)目來調(diào)整合同。Pearce說:“盡量使用自己的合同模板,因?yàn)槟愫芮宄@份合同中包含什么,這能幫助你更好地進(jìn)行協(xié)商?!?Freelancers Union的網(wǎng)站上有一些模板可供下載,還有將自由職業(yè)者與代表獨(dú)立工作者的律師聯(lián)系起來的應(yīng)用程序。
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Understand your client’s payment cycle
了解客戶的支付流程
了解客戶的支付流程
It’s also important to talk with your client about its “payment schedules and policies in advance” of starting any work, Younger says. Find out how long it typically takes to process invoices, which days of the week it cuts checks, and how it pays its contract workers. This information helps you better manage your monthly cash flow. Pearce recommends you “try to get as much money up front” as possible. “A deposit of 30%–50% of your estimated fee is acceptable in many industries,” she says. Another tip: “Make sure you have the name and contact details of the person in finance with whom you’ll be dealing with,” Pearce says. This way, if there are delays, you have someone to call.
Younger表示,開始工作前,提前了解客戶的 “付款計(jì)劃和相關(guān)政策 ”也是非常重要的。比如客戶公司處理工作清單通常需要多長時(shí)間、什么時(shí)候開支票、以及如何支付合同工酬勞等等。 這些信息可以幫助你更好地管理月度現(xiàn)金流。Pearce建議自由職業(yè)者“盡量多收取訂金”。 她表示:“將訂金設(shè)置為預(yù)估費(fèi)用的30%-50%,很多公司都是可以接受的?!边€有一點(diǎn):“確保你有與你對(duì)接的財(cái)務(wù)人員的姓名和聯(lián)系方式,”皮爾斯說。如果對(duì)方拖延付款,你可以打電話催款。
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Invoice early and often
提早、定期開具工作清單
Do:
需要做些什么?
提早、定期開具工作清單
Regardless of your client’s payment terms, Younger recommends establishing your own billing cycle that’s frequent and predictable. “Bill on a weekly basis or every time you finish a bit of work,” he says. Billing often is “a signal that you consider your time valuable.” For longer-term projects, Pearce suggests invoicing at predetermined “milestones along the way” so that you are guaranteed “payment at certain points over time.” Milestone payments not only help you manage your cash flow, they are “also a tool for communication”. She says, “They make sure you and your client are both aligned and satisfied.” Whatever you do, don’t agree to terms that involve your getting paid only upon the full delivery of the work. “You don’t want to work for three months on a project only to have the client say, ‘I hate it. And I will only pay you for 50%.’”
無論客戶的付款方式如何,Younger建議你建立自己的穩(wěn)定的計(jì)費(fèi)周期:“可以每周結(jié)算,也可以每階段工作結(jié)束后結(jié)算?!遍_賬單通常是“認(rèn)為自己的時(shí)間有價(jià)值的信號(hào)”。對(duì)于長期項(xiàng)目,Pearce建議在預(yù)定的“項(xiàng)目階段”中開具工作清單,以保證“在固定時(shí)間獲得報(bào)酬”。按進(jìn)度付款不僅有助于管理你的現(xiàn)金流,也是“溝通工具”。Pearc說:“按進(jìn)度付款能確保你和客戶達(dá)成一致,使雙方都得到滿意的結(jié)果?!钡?,一定不要答應(yīng)只有在交付全部工作后才得到報(bào)酬的條件?!澳阋欢ú幌霝榱艘粋€(gè)項(xiàng)目辛苦工作了三個(gè)月,客戶卻說‘我不滿意,我只能付你一半的酬勞?!?/div>
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Establish your professionalism
培養(yǎng)職業(yè)素養(yǎng)
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Establish your professionalism
培養(yǎng)職業(yè)素養(yǎng)
Earning your living as a freelancer requires that you “treat yourself like a business,” Pearce says. Don’t do slapdash work, don’t “forget” to invoice, and don’t be careless in your communications. “Getting paid is contingent on the quality of your work and the quality of your relationship with your client,” Younger says. On a related note, don’t work for free. “A lot of companies are fishing around these days for free work on the assumption that your working for them will help you more than it realistically will,” he says. Remember this any time you’re “invited” to give a free webinar or moderate a panel gratis. “Talk plainly and in businesslike terms” about your fee. “Establish the value of your work.”
作為自由職業(yè)者,你必須“像打理企業(yè)一樣打理自己,”Pearce說。工作中不要粗心大意,不要“忘記”開工作清單,不要在溝通中粗心大意?!澳惬@得報(bào)酬取決于工作質(zhì)量以及與客戶的關(guān)系,”Younger說。另外,不要做免費(fèi)勞動(dòng)力。他說:“現(xiàn)在很多公司都在到處尋找免費(fèi)勞動(dòng)力,認(rèn)為這樣的實(shí)踐對(duì)你有好處,但事實(shí)并非如此?!比魏螘r(shí)候你被“邀請(qǐng)”參加在線會(huì)議或者主持小組會(huì)議時(shí)都要記住這一點(diǎn)?!扒宄匾陨虡I(yè)方式與客戶交流”。 “讓你的工作有價(jià)值”。
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Follow up
跟進(jìn)付款進(jìn)度
跟進(jìn)付款進(jìn)度
If your client is ever late with a payment, “you have to be vigilant about following up,” Pearce says. “If you’re vigilant on your end, it sets expectations on theirs.” If you’re following up and no one is responsive, “escalate to a phone call or go to the office in person,” she says. It’s much easier to ignore an email than it is to ignore a human. Be persistent about seeking payment, Younger advises. “Don’t give up,” he says. “Work your way up the food chain and take it to the top” of the executive leadership if you need to.
如果客戶未能準(zhǔn)時(shí)付款,“你必須時(shí)刻跟進(jìn)情況”,Pearce說。她說:“如果你自己一直跟進(jìn)付款情況,客戶方面就會(huì)有壓力?!比绻麤]有人回復(fù)你,“試試打電話或者親自到客戶辦公室。”忽略電子郵件很容易,但是客戶不能對(duì)一個(gè)人視而不見。Younger建議打擊堅(jiān)持要求客戶付款?!安灰艞墸彼f。 如果有需要的話,“要不斷努力掌握主動(dòng)權(quán)”。
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Hire a lawyer
雇傭律師
雇傭律師
If you’ve tried everything and the client is still not paying, it might make sense to engage an attorney. It’s not a straightforward decision, however. “Mostly it’s a cost-benefit analysis” that involves calculating the amount that’s owed you, your odds of success, and the hassle of hiring — and paying for — a lawyer, Pearce says. A new, first-of-its-kind law in New York City gives freelancers a ray of hope. The law stipulates that for jobs paying $800 or more, freelancers must be paid either by a specified date or within 30 days of completion. The other big component of the law provides recourse for instances in which clients fail to pay. “If it goes to court, the law mandates double damages and attorney fees be awarded if the judge rules in the freelancer’s favor,” Pearce says. She adds that the Freelancers Union is “working on getting the law passed nationally.” At the very least, report your former client to the Better Business Bureau.
如果你已經(jīng)嘗試過各種方法,但客戶仍然沒有支付報(bào)酬,那么此時(shí)可以聘請(qǐng)律師。然而這個(gè)過程并不容易。Pearce說,“大多數(shù)情況下,這是一項(xiàng)成本效益分析”,要計(jì)算客戶拖欠金額、成功幾率、律師聘用和支付的麻煩等。紐約市一項(xiàng)新的法規(guī)為自由職業(yè)者帶來了一絲希望:自由職業(yè)者從事酬勞在800美元及以上的工作,客戶必須在指定日期或完成后的30天內(nèi)支付酬勞。如果客戶未能按時(shí)付款,法律也保障了自由職業(yè)者的權(quán)益。Pearce說:“如果交由法院裁決,法官判定自由職業(yè)者一方勝訴,依照法律,自由職業(yè)者將得到雙倍補(bǔ)償,并免除聘請(qǐng)律師費(fèi)用?!彼a(bǔ)充說,F(xiàn)reelancers Union正在“努力將這項(xiàng)法律推廣到全國”。同時(shí),自由職業(yè)者還可向商業(yè)改善局(Better Business Bureau)投訴延期付款的客戶。
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Principles to Remember
建議:
建議:
Do:
需要做些什么?
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Your research. Find out how well-funded your client is and, to the extent possible, check if there are any financial red flags.
做好背景調(diào)查。準(zhǔn)確了解客戶的財(cái)務(wù)狀況,明確客戶是否陷入財(cái)務(wù)困境。
Bill on a regular basis, and for longer projects ask for milestone payments; they help you manage your cash flow and ensure you and the client are aligned.
定期收費(fèi),長期項(xiàng)目合作采用按進(jìn)度付款的方式;這些措施可以改善您的現(xiàn)金流狀況,并與客戶達(dá)成一致。
Consider pursuing a settlement in court if your client fails to pay you.
若客戶遲遲不能支付報(bào)酬,必要時(shí)選擇交由法庭裁決。
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Don’t:
不能做什么?
不能做什么?
Work informally. You need a good contract that lays out the scope of the project and the payment terms and ensures that expectations are clear on both sides.
非正式協(xié)議:自由職業(yè)者需要與客戶簽訂合同,合同中應(yīng)注明項(xiàng)目內(nèi)容以及支付條款,明確雙方需求。[/cn
Be late or inconsistent with your invoices. Make use of tools and apps that automate the process.
[cn]不按時(shí)開具工作清單或使用方式不固定:充分利用工具和應(yīng)用程序來簡化這個(gè)程序。Be lackadaisical about following up with your client about a late payment. If the client does not respond to emails, visit the office in person if possible.
未能按時(shí)跟蹤客戶付款進(jìn)度:若客戶遲遲未回復(fù)郵件,應(yīng)主動(dòng)到客戶辦公室進(jìn)行協(xié)商。
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Case Study #1: Be vigilant about following up and seek legal advice when needed
案例一:隨時(shí)跟蹤客戶付款進(jìn)度,必要時(shí)尋求法律幫助
案例一:隨時(shí)跟蹤客戶付款進(jìn)度,必要時(shí)尋求法律幫助
Michael Lopez, a freelance copywriter specializing in the health and wellness sector, knows all too well what it’s like to get stiffed by a client.
自由職業(yè)者M(jìn)ichael Lopez從事健康領(lǐng)域的廣告文字撰稿工作,他非常了解客戶拖延付款的情況。
Last year he agreed to do web copy overhaul for a drug rehabilitation company that had a network of treatment centers. He had done small jobs for this client in the past, but the new assignment was much bigger. This project was slated to last two months, and it represented “a good chunk of change” for Michael.
去年,Michael答應(yīng)幫一家藥物康復(fù)公司做網(wǎng)絡(luò)廣告修整。此前,他與這家公司合作過幾次周期較短的小型項(xiàng)目,這次的任務(wù)周期長達(dá)兩個(gè)月,并且這對(duì)他來說也是一個(gè)很好的“轉(zhuǎn)型”機(jī)會(huì)。
He finished the job and submitted an invoice. He didn’t hear back from the company, so a week later he followed up with an email. No response. After two weeks, he followed up by phone. Still no response. “After four weeks I followed up with another call and email and was told that they were working on payment and reviewing the work,” Michael says. “[They also told me] that they didn’t feel they would use the deliverables, so they were not sure if a full payment was fair.”
他完成工作并提交了工作清單。但之后遲遲沒有得到公司的回復(fù)。一周后,他向客戶公司發(fā)郵件詢問付款進(jìn)度,依舊沒有得到任何回應(yīng)。兩周后,他向客戶公司致電,這次還是沒有得到回復(fù)。Michael說:“四周后,我又打了第二通電話、又發(fā)了一封郵件,他們卻告訴說他們已經(jīng)在處理了,現(xiàn)在正在審核工作。他們還告訴我說,以后可能不會(huì)使用我的工作成果,所以不保證能夠如約付全款?!?
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He was surprised, angry, and annoyed. “I went through all the stages of grief,” he says. “I eventually ended up feeling sad and disappointed in myself. Yes, they were in the wrong, but there were a lot of things I did wrong as well.” For one, he worked without a contract. “A contract was something that I knew I needed, but I hadn’t been able to put one together,” he says.
Michael覺得非常震驚,同時(shí)也很生氣。他說:“我一開始很難過,最后覺得悲哀,對(duì)自己很失望。他們是有錯(cuò),但我也有不正確的地方?!逼渲杏幸稽c(diǎn)就是他沒有事先與公司簽訂合同。他表示:“我知道可能需要一份正式合同,但最后我也沒有擬定一份?!?/div>
Fortunately for Michael, his roommate was an attorney. “I’ve always been aware that, in the absence of a contract, an email chain laying out when deliverables and payments are due is enough to prove in court — if you need to go that route.” His lawyer roommate sent a letter to his client that “essentially demanded they pay or suffer other legal action,” Michael recalls.
幸運(yùn)的是,Michael的室友是一名律師?!拔抑?,在沒有合同的情況下,在可交付成果和付款截止時(shí)期到期時(shí),電子郵件在法庭上可作為證據(jù)使用—如果你需要訴諸法庭裁決的話。” Michael記得,當(dāng)時(shí)他的律師室友向客戶公司發(fā)信稱,“如果公司未能付款,將采取法律手段。”
One week later, the client issued an apology to Michael and released funds for payment. Not long after that, Michael availed himself of the tools from the Freelancers Union and Legal Zoom to create a template contract for his future assignments. He describes what happened with the drug rehab company as a “harsh” learning experience.
一周后,客戶向Michael道歉,并開始支付報(bào)酬。不久之后,Michael利用Freelancers Union和Legal Zoom的相關(guān)工具制定了一份合同模板,用于今后的工作當(dāng)中。他把這段經(jīng)歷總結(jié)為“殘酷”的一課。
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Case Study #2: Understand your client’s accounts payable process and use it to your advantage
案例二:了解客戶付款流程
案例二:了解客戶付款流程
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Over the course of her 12-year career as an independent event planner, Vicky Choy says, she has always been paid for her services — but not always on time.
在Vicky Choy作為自由職業(yè)者的12年里,也碰到過很多客戶拖延付款的情況。
She recalls: “While working for one of my first corporate client, I learned that the accounting department only cut checks once every other week, and only on Thursdays. I would wonder why I wasn’t receiving payments on time. So finally, I asked. If I had sent an invoice on a Friday after accounting had just cut checks the day before, I would have to wait two weeks for them to cut checks again.”
她回憶到:“在與早期客戶打交道的過程中,我了解到客戶公司的會(huì)計(jì)部門每隔一周的周四開支票。我一開始總是覺得很奇怪,為什么我沒有準(zhǔn)時(shí)收到款項(xiàng)。最后我詢問了相關(guān)工作人員,才明白如果我在開票日后的周五發(fā)送了工作清單,那么我必須再等兩周才能到下一個(gè)開票日。”
It’s been an education, and over time she’s mastered the process. Vicky has a standard contract that she developed with the help of an attorney. She makes adjustments and alterations depending on the client and the event. The contract lists the project milestone schedule, the payment due dates, and the payment terms. In addition, the contract contains a “stop work” clause that gives her the right to stop performing work for a client until all payments are up to date.
這是一個(gè)逐漸學(xué)習(xí)的過程,后來Vicky對(duì)整個(gè)流程越來越熟悉。在律師的幫助下,她做了一份標(biāo)準(zhǔn)合同,根據(jù)客戶和工作的不同對(duì)合同中的細(xì)節(jié)進(jìn)行調(diào)整。合同中列出了按進(jìn)度付款時(shí)間表、付款截止日期等。此外,合同中還有一項(xiàng) “停止工作”條款,客戶拖延付款時(shí),她有權(quán)暫停工作,直到客戶付清所有賬款。
Her early experiences with late clients also prompted Vicky to start using QuickBooks, which enables her to receive payments through e-checks and credit cards and has resulted in on-time payments.
隨著經(jīng)驗(yàn)不斷積累,Vicky在后期與客戶進(jìn)行合作時(shí),開始使用QuickBooks軟件,通過這個(gè)軟件,她可以接收電子支票和信用卡付款,大大減少了客戶拖延付款的情況。
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