Any Help for Self Employed
Dec 7th 2009, 7:47 pm
#16
Joined: Mar 2006
Posts: 1,980
Re: Any Help for Self Employed
Hi Jontee, the "Ayuda familiar" is indeed help for families who are not entitled to any other financial help, apply for it in the Inem office. You will need to bring your ID/NIE, Libro de Familia (if you have one), tarjeta de residencia, a copy of your Vida Laboral.
Another example, my children go to the same school (age 3 and 5), if I wish to put them both in the comedor, I will have to pay for only one.
They also participate in extra classes after regular school (Inglés, Megataller). Normally theses classs cost € 15,- per class,month,child (€ 60,- total) but after asking in the Secretaria of the school we don´t have to pay for that either. (A calculation has been made based on our income) So there is some help available in various forms. Good luck and hang in there.
Another example, my children go to the same school (age 3 and 5), if I wish to put them both in the comedor, I will have to pay for only one.
They also participate in extra classes after regular school (Inglés, Megataller). Normally theses classs cost € 15,- per class,month,child (€ 60,- total) but after asking in the Secretaria of the school we don´t have to pay for that either. (A calculation has been made based on our income) So there is some help available in various forms. Good luck and hang in there.
Feb 2nd 2010, 8:22 pm
#17
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Thread Starter
Joined: May 2009
Location: Frigiliana
Posts: 97
Re: Any Help for Self Employed
Just to let you know. the so called assistance as posted here by Rachelk http://www.portalautonomos.com/index...idad/?id=38156 has not yet been approved according to my Gestor, and she also says that "and normally before it happens we will have to pay a bigger amount every month on top of the existing figure". Yeah alot of help that is!!!
Thanks anyway folks, but it looks like there is no help.
Thanks anyway folks, but it looks like there is no help.
Feb 2nd 2010, 9:01 pm
#18
RETIRED ;-))
Joined: Jul 2003
Location: Benalmadena Pueblo,Spain
Posts: 20,156
Re: Any Help for Self Employed
Just to let you know. the so called assistance as posted here by Rachelk http://www.portalautonomos.com/index...idad/?id=38156 has not yet been approved according to my Gestor, and she also says that "and normally before it happens we will have to pay a bigger amount every month on top of the existing figure". Yeah alot of help that is!!!
Thanks anyway folks, but it looks like there is no help.
Thanks anyway folks, but it looks like there is no help.
Feb 3rd 2010, 5:20 am
#19
Lost in BE Cyberspace
Joined: Oct 2008
Location: near Colmenar, Prov de Malaga
Posts: 5,174
Re: Any Help for Self Employed
Difference being you can pay nil self-employed contributions if your income is sufficiently small. Accepted that would ultimately impact on your potential state pension (but that's precious little anyway these days) but health care & unemployment benefit if it became necessary would both be available, no? Anyway, that's what I did six or so years ago when a fledgling business had nil income initially. All above board.
(eventually crashed & burned falling out of the nest but that's by the by!)
(eventually crashed & burned falling out of the nest but that's by the by!)
Feb 3rd 2010, 6:23 am
#20
RETIRED ;-))
Joined: Jul 2003
Location: Benalmadena Pueblo,Spain
Posts: 20,156
Re: Any Help for Self Employed
Difference being you can pay nil self-employed contributions if your income is sufficiently small. Accepted that would ultimately impact on your potential state pension (but that's precious little anyway these days) but health care & unemployment benefit if it became necessary would both be available, no? Anyway, that's what I did six or so years ago when a fledgling business had nil income initially. All above board.
(eventually crashed & burned falling out of the nest but that's by the by!)
(eventually crashed & burned falling out of the nest but that's by the by!)
Not sure about being able to get unemployment benefit though ?
Feb 3rd 2010, 8:32 am
#21
Banned
Joined: Feb 2008
Location: Vejer de la Fra., Cadiz
Posts: 7,653
Re: Any Help for Self Employed
With that charge each month, how in hell do you start up a small business if you don't have a good wad of cash, enough to carry you through the lean times at the start till you can earn enough to feed/house yourself plus that payment?
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
Feb 3rd 2010, 8:44 am
#22
Joined: May 2006
Location: Galicia
Posts: 3,140
Re: Any Help for Self Employed
With that charge each month, how in hell do you start up a small business if you don't have a good wad of cash, enough to carry you through the lean times at the start till you can earn enough to feed/house yourself plus that payment?
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
Feb 3rd 2010, 9:23 am
#23
BE Forum Addict
Joined: Apr 2008
Posts: 3,171
Re: Any Help for Self Employed
Does anyone know if there is any help in the current economic climate for Autonomo workers? I have a small business that is struggling at the moment and I am finding it ever more difficult each month to make my Autonomo payment of €265 monthly. If I do not make this payment I cannot work. Is there any short term relief, or lower payments? Or do I just end up being illegal? Presumably then getting fined.
It is so difficult to know what to do as some months I do not make enough to cover my running expenses, but if I stop paying I cannot work if there is some money to earn. I have rental to pay on my premises and I hold a fair amount of stock too. If I get rid of this then I will have no chance of supporting myself if things improve. Plus, surely things will improve!! It is a lot of money to pay out just for the privilege of being able to try to earn some money.
It is so difficult to know what to do as some months I do not make enough to cover my running expenses, but if I stop paying I cannot work if there is some money to earn. I have rental to pay on my premises and I hold a fair amount of stock too. If I get rid of this then I will have no chance of supporting myself if things improve. Plus, surely things will improve!! It is a lot of money to pay out just for the privilege of being able to try to earn some money.
Realistically you may need to consider closing down or selling up ,I know this is a hard dedescision after years of building up you bubusiness but if your loosing money you have to pull the plug sometime,better sooner than later.I`ve had to do it twice during my 25 years of being in business.
Good luck anyway.
Feb 3rd 2010, 9:25 am
#24
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Joined: Apr 2008
Posts: 3,171
Re: Any Help for Self Employed
With that charge each month, how in hell do you start up a small business if you don't have a good wad of cash, enough to carry you through the lean times at the start till you can earn enough to feed/house yourself plus that payment?
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
We started from nothing in the UK, and had I had to make that sort of payment we would have found it hard, if not impossible to get going.
Feb 3rd 2010, 9:31 am
#25
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Any Help for Self Employed
I`ve paid the SS the same as you for the last 5 years and it sure is a ripoff considering what you get in return,SFA!
Realistically you may need to consider closing down or selling up ,I know this is a hard dedescision after years of building up you bubusiness but if your loosing money you have to pull the plug sometime,better sooner than later.I`ve had to do it twice during my 25 years of being in business.
Good luck anyway.
Realistically you may need to consider closing down or selling up ,I know this is a hard dedescision after years of building up you bubusiness but if your loosing money you have to pull the plug sometime,better sooner than later.I`ve had to do it twice during my 25 years of being in business.
Good luck anyway.
Doesn't sound bad to me!
Feb 3rd 2010, 9:41 am
#26
Banned
Joined: Aug 2009
Posts: 5,008
Re: Any Help for Self Employed
Other countries like Italy have more or less the same system as Spain, so they have not been "spoiled" by the easiness and cushioning of the UK system.
Living in Spain is a lot more difficult if things are not going too well financially, wherea in the UK, there seems to be a lot more help out there.
I maybe wrong but I think that even the self employed in the UK can claim some sort of top up, if they cannot live on the profits of the business. And of course the SS quota nowhere near as high.
I think it starts at a couple of quid a week.
I know a few folk "pasando putas" right now, if a little help were available (ie a reduction of the SS quota) they might be able to ride the storm, but as there is none in that department, they may have to shut the shop, so to speak........
Very sad-
Feb 3rd 2010, 9:50 am
#27
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Joined: Apr 2008
Posts: 3,171
Re: Any Help for Self Employed
Last edited by Rotor; Feb 3rd 2010 at 9:55 am.
Feb 3rd 2010, 9:51 am
#28
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Any Help for Self Employed
The problem is if you come from the UK, it sounds bad.
Other countries like Italy have more or less the same system as Spain, so they have not been "spoiled" by the easiness and cushioning of the UK system.
Living in Spain is a lot more difficult if things are not going too well financially, wherea in the UK, there seems to be a lot more help out there.
I maybe wrong but I think that even the self employed in the UK can claim some sort of top up, if they cannot live on the profits of the business. And of course the SS quota nowhere near as high.
I think it starts at a couple of quid a week.
I know a few folk "pasando putas" right now, if a little help were available (ie a reduction of the SS quota) they might be able to ride the storm, but as there is none in that department, they may have to shut the shop, so to speak........
Very sad-
Other countries like Italy have more or less the same system as Spain, so they have not been "spoiled" by the easiness and cushioning of the UK system.
Living in Spain is a lot more difficult if things are not going too well financially, wherea in the UK, there seems to be a lot more help out there.
I maybe wrong but I think that even the self employed in the UK can claim some sort of top up, if they cannot live on the profits of the business. And of course the SS quota nowhere near as high.
I think it starts at a couple of quid a week.
I know a few folk "pasando putas" right now, if a little help were available (ie a reduction of the SS quota) they might be able to ride the storm, but as there is none in that department, they may have to shut the shop, so to speak........
Very sad-
In a way, it is why family relationships are so strong in Spain because in hard times they have to help each other out financially.
When my OH was little they had two aunties, an uncle and a cousin living with them. So 5 adults and 5 children living in a 120 square meter flat! Within a year or two the relatives had all found jobs and flats of their own.
I think it's nice and better than relying on a faceless state system. However, it means those with families who have very little or no family at all can have a very hard time
Feb 3rd 2010, 9:53 am
#29
¿Dónde estoy?
Joined: Jun 2004
Location: my paradise - Jávea
Posts: 13,330
Re: Any Help for Self Employed
Yes, nice summary
In a way, it is why family relationships are so strong in Spain because in hard times they have to help each other out financially.
When my OH was little they had two aunties, an uncle and a cousin living with them. So 5 adults and 5 children living in a 120 square meter flat! Within a year or two the relatives had all found jobs and flats of their own.
I think it's nice and better than relying on a faceless state system. However, it means those with families who have very little or no family at all can have a very hard time
In a way, it is why family relationships are so strong in Spain because in hard times they have to help each other out financially.
When my OH was little they had two aunties, an uncle and a cousin living with them. So 5 adults and 5 children living in a 120 square meter flat! Within a year or two the relatives had all found jobs and flats of their own.
I think it's nice and better than relying on a faceless state system. However, it means those with families who have very little or no family at all can have a very hard time
I'm not saying we should be treated differently - just that it's harder
Feb 3rd 2010, 9:59 am
#30
Banned
Joined: Aug 2009
Posts: 5,008
Re: Any Help for Self Employed
Both the above posts are very true, extended family does play an important part supporting their members.
That is another reason why the British are suffering too, as most a at home in the UK.
That is another reason why the British are suffering too, as most a at home in the UK.