In many European countries, the reform pension does not always guarantee sufficient income to maintain the same standard of living. Increased cost of living and work periods with low remuneration makes many reformed seek ways to complement their performance, remaining active and independent.
According to the Spanish digital newspaper, news work, María José is 64 years old, lives in Finistère, in France, and is renovated. To be able to complement the pension, he decided to create a microenterprise that sells eco school supplies to schools. It imposed on itself a limit: “I do not want to receive a salary of over 1,000 euros a month,” he told the press. This decision allows you to balance income and fiscal load and maintain the lifestyle it considers appropriate.
María José worked for almost four decades in the sale of appliances in Cherburg and Quimper, ascending heads. Health problems forced it to interrupt their career and to face unemployment shortly before the reform.
Loss of employment to the business project
The diagnosis of a chronic disease led her to leave employment at 60. In the following years he accepted temporary contracts, including remedies and orders for orders, until in 2024 a collaboration proposal came up with a company in southern France specializing in the sale of glues and other school products friendly.
To accept the offer, María José had to register as an independent worker and create the part -time microenterprise.
Adaptation to administrative obligations was not simple. According to the same source, María José was unaware of the workers’ functioning on their own and found a world full of bureaucracy and risk of fraud. The support of the BGE network, which accompanies and forms entrepreneurs in France, was decisive to unlock the procedures and start with the project.
“I don’t work for the state”
Today, María José maintains the financial limit that has defined and works in half a time. The sum it receives from work complements its net pension of 1,800 euros and prevents the fiscal charge from increasing significantly. “I don’t work for the state,” he explained to Le Figaro, reflecting his way of managing time, autonomy and personal finances.
In legal terms, in France the accumulation of pension with professional income is allowed, but depends on the concrete rules of the reform regime and the personal situation of the beneficiary.
The Official Service-Public.FR portal indicates that it is necessary to declare the income correctly to the tax administration and URSSAF, with the pensions, except for exceptions, taxable. This legal information confirms that María José’s decision is compatible with the law, provided that formal procedures are respected.
As it says, María José admits that he does not seek to be a model, but leaves a message to those who approach the reform: “If I can help, I will have already fulfilled my goal,” he told the French diary.
According to the same source, he is also saving for a trip to Canada, the destination he appreciates most and visits whenever he has the opportunity.
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