Married autonomos
#1
Married autonomos
My wife and I will be moving to the Valencia province soon. We are both artists (ceramic sculptures and paintings).
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
#2
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Married autonomos
My wife and I will be moving to the Valencia province soon. We are both artists (ceramic sculptures and paintings).
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
My OH and I are both autonomos and both have to pay the social security payments because we work in very different lines of work and invoice separately
#3
Re: Married autonomos
My wife and I will be moving to the Valencia province soon. We are both artists (ceramic sculptures and paintings).
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
We will be living on savings until we will be old enough to be entitled to some pensions, and wanted to open a small art gallery in our house to sell our art.
I know this is not a sound business plan keeping in mind the current economic situation in Spain. Lets say it is more for love than for money.
On this forum I encountered several threads about 'autonomos', and how this system is in fact prohibiting small businesses.
Is it true that my wife and I would both be autonomos, and that we would have to pay about 600 Euro monthly for social securities even when we haven't earned a penny?
Is there maybe an exception for married people or for artists?
How much is IVA on art?
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Rosemary
#4
BE Forum Addict
Joined: Aug 2009
Location: Costa Blanca
Posts: 3,120
Re: Married autonomos
I would think only one of you need pay which will cover the other member of the household. But you are going to need professional expert advice to setup and legally run the business to ensure all of the correct forms etc are submitted.
I also think it quite likely the overheads will exceed the profit but that might be advantageous for tax purposes. I know some professional artists living locally and they have been severely impacted by the financial downturn in sales terms.
Good luck with your plans.
I also think it quite likely the overheads will exceed the profit but that might be advantageous for tax purposes. I know some professional artists living locally and they have been severely impacted by the financial downturn in sales terms.
Good luck with your plans.
#5
Re: Married autonomos
Rosemary : thank you for the warm welcome.
Cricketman and Spainrico : thank you for your answers.
I am also quite certain that the overheads will exceed the profit.
However, when only one of us needs to pay about 300 Euro a month Seguridad Social for the two of us, then that would be comparable to the situation where both of us would need to pay private health insurance.
If both of us have to pay for Suguridad Social, then... I don't know what then, probably not work at all I guess.
Thanks a lot!
Cricketman and Spainrico : thank you for your answers.
However, when only one of us needs to pay about 300 Euro a month Seguridad Social for the two of us, then that would be comparable to the situation where both of us would need to pay private health insurance.
If both of us have to pay for Suguridad Social, then... I don't know what then, probably not work at all I guess.
Thanks a lot!
#6
BE Forum Addict
Joined: Aug 2009
Location: Costa Blanca
Posts: 3,120
Re: Married autonomos
Not working may not be an option as then once your limited period (assuming you are Brits) of UK provided healthcare expires and the fact that you won't have an income could cause you problems with the new residencia rules (detailed on another current thread).
#7
Re: Married autonomos
Both of us will sculpt and paint, but one of us will run the shop as 'autonomo'. If the shop turns out to be successful, we are more than happy to pay income tax.
Last edited by Stillwater; May 16th 2012 at 9:29 am. Reason: typo
#8
BE Enthusiast
Joined: Mar 2006
Posts: 827
Re: Married autonomos
If you are autonomo you will have to submit quarterly accounts regardless of any income received. Factor that into your calculations because you will probably have to use an accountant or gestor and they will probably charge anything from 60€ upwards each quarter. Then there is the yearly tax return in June which will cost you even more for your gestor.
#9
Re: Married autonomos
You can pay one autonomo and register your wife as housewife, then she would be entitled to the same health care as you. BUT she will not be entitled to sick leave or any payment for unemployment and it will not give her pension money.
#10
Re: Married autonomos
If I am not mistaken, not only my wife, but I (as autonomo) am not entitled to sick leave and unemployment payments as well. IMO justly so because the system would otherwise be too susceptible to fraud.
#11
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Married autonomos
There is a voluntary amount you can pay to cover sick pay and unemployment payments. I think it is an extra 50 euros per month, but most people dont pay it
#12
Re: Married autonomos
If you are autonomo you will have to submit quarterly accounts regardless of any income received. Factor that into your calculations because you will probably have to use an accountant or gestor and they will probably charge anything from 60€ upwards each quarter. Then there is the yearly tax return in June which will cost you even more for your gestor.
If it involves hours of queueing I will hire a gestor, as patience is not one of my virtues.
#13
Re: Married autonomos
But I don't want it because I don't want the Spanish state to finance my household.
#14
Lost in BE Cyberspace
Joined: Apr 2009
Posts: 7,749
Re: Married autonomos
Yes it can be done electronically in about 10 minutes. Although you will need some help to get setup unless you speak fluent Spanish
#15
BE Forum Addict
Joined: Mar 2009
Location: Valencia
Posts: 1,164
Re: Married autonomos
You need a gestor as you will not know what is allowable/deductable and what is not. It is a potential minefield.