There are times when a businessman complained income from his business always runs out before the save. If there is to be saved , only a small amount . In fact , the project that he has received quite a lot . Supposedly, the business can run smoothly and lives can be happy even though there were no orders . However , the opposite happened .
This may be experienced by some people who started the business world . Moreover , if the business belonging to the family business type . At the beginning of the business , when he gets the project , the money always runs out to support the family . The term , when it's happy , forget everything . Forget having to pay electricity , telephone , internet , transport , and so on .
And one thing that is always overlooked is the record of all activities and transactions . Not many small businesses do . In fact , the recording is an important basic step that must be done to promote the business . Then , how to manage business finances are good ? Here are the things you can do like we sadur from Chic Magazine .
1. Determine the portion of the financial
The easiest way to manage business finances is to agree on what portion of the money from the beginning to be used according to the traffic needed money . For example , how much money would be used to pay for salaries , operations , and how much profit will be used to develop the business and to save.
For starters , you can try to divide the portion of 30:30:30:10 . Portion of 30 percent for salaries , 30 percent more for the company's operations , such as office rent , electricity charges , telephone , fax , transportation , and so forth . Then the other 30 percent to develop the business , and the remaining 10 percent for personal savings .
So , for example, income of $ 20 million , $ 6 million ( 30 percent ) directly cut in early to disishkan as salary , $ 6 million for operating expenses , cost of $ 6 million for business development , and $ 2 million for personal savings .
Distribution pattern with the structure of this average is not absolute . You must decide for themselves . Noteworthy is split based on the value of discipline that has been agreed in the beginning . This way , you will more easily manage business finances .
2 . Separate personal and business accounts
After a specified portion , the next step to do business financial records . Indeed, if the business is still small , we often tend to equate between the money received in the effort and money for personal gain . In fact we usually keep the money in the account number .
In fact , if the business finances and personal finances are merged , you will have difficulty in monitoring the income or expenditure that has been done . With the separation between business financial records to personal finance , it will be easier to distinguish between the flow of funds out of the business with the use of the money for personal gain .
In addition , the separation of recording can also provide further information about the financial state of the business that is being run . Especially when a number of banks already provide product support services to the financial records of your business .
3 . Do not be easily tempted
Here are the main points as a form of self-discipline effort . And , indeed the key to manage business finances is a discipline in which we adhere to the percentage share set for business and personal finances .
The temptation usually comes when it is often many orders . The goods were not already too important to be like " asking purchased " . Sometimes , when a large amount of money coming in , all of a sudden we felt the need this and that. One of them , buy clothes for the reason to make it look more appropriate when meeting clients .
There is nothing wrong satisfy that desire . But with records , you should be able to differentiate needs and wants . Before you buy something with a business reason , ask first , whether it is an urgent need or desire that can be postponed . Well , this answer will help you determine where the money can be used .
If possible you could try to use accounting software for business financial records . With this software , financial records could be done more easily and neatly . By doing so , you also do not have a gap to arbitrarily take money for personal business .
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