Something I'd suggest, is starting a small corporation, then having your paychecks go to the business vs you personally.
I owe a few large websites and all income goes to the company. Out of that comes my car payment, auto, liability, malpractice insurance, utilities (gas, electric, internet) and healthcare/dental co-pays. It covers uniforms, sneakers, jackets, etc.
In other words, I let the company pay the bulk of my bills pre-tax, as 100% deductible expenses.
Then depending on what is left, I'll pay myself a small or not so small salary.
It's a bit involved, I've been doing it since 2001. Ran the business as a sole proprietorship before that.
Feel free to ask questions.
Andrew Lopez, RN
http://www.nursingentrepreneurs.com
