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¿El dinero, es algo que te estresa en tu emprendimiento? Sé que tema del dinero puede llegar a ser muy estresante y que muchas veces hasta te roba el sueño, y es que cada dólar que ganas en tu negocio vale oro para ti, porque has trabajado mucho para ganártelo. Pero, ¿Al final del día, algo debes estar haciendo mal, porque no logras cubrir muchas veces ni siquiera los gastos?
¿Estarías de acuerdo conmigo si te digo que el dinero es un factor muy importante en tu emprendimiento? Creo que sí, ¿no?
Y es que usualmente puedes encontrarte haciéndote preguntas como:
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- ¿Cómo inviertes el dinero?
- ¿Qué cosas tienes que tomar en cuando a la hora de decidir qué hacer con el dinero?
- ¿Qué haces con tus ganancias?
Si te haces todas estas preguntas, vas por buen camino…
Déjame hablarte acerca de 5 Pasos esenciales para tener tranquilidad financiera en tu negocio.
- Como emprendedor es clave que sepas administrar tus recursos de la mejor manera posible.
- Estoy segura que no cuentas con una cantidad infinita de dinero para invertir en tu emprendimiento y menos si estás empezando.
- Y el que seas intencional con tu dinero marcara toda la diferencia.
#1. Haz un Presupuesto escrito.
- El presupuesto, es sinónimo de control, ahora eres tú quien le dice a cada dólar lo que debe hacer cada mes.
- Le darás una asignación y un propósito a cada centavo que ingresa a tu negocio.
- Has una lista de todos tus gastos e ingresos.
- Será como darte un aumento de salario o ingresos, porque te permite visualizar dinero que no sabías a donde se iba, ni que sabías que te sobraba. O puede ocurrir lo contrario, que te hayas das cuenta que estás gastando más de lo estás ganando, y no puedes seguir haciendo lo mismo si quieres tener resultados distintos.
- Y, por último, Intencionalmente alinearás esas asignaciones acordes a tu plan y objetivos. Lo que me lleva al paso #2…
#2. Haz un plan y trata de seguirlo al máximo.
- Realiza un plan en donde incluyas los objetivos y proyectos que quieras desarrollar en el año. Sin importar el mes en el que te encuentres hoy, planifica para los próximo 12 meses.
- Fechas
- Que necesitas para desarrollar cada uno de esos objetivos o proyectos.
- Cotizaciones
- El plan te servirá como guía para planificarte financieramente para ellos.
- Como tendrás previsto las fechas en las que quieras desarrollar tus proyectos podrás ir ahorrando previamente lo que necesites invertir, evitando tener que endeudarte innecesariamente en el camino, porque tienes un mapa bien diseñado de lo que quieres y cuando lo quieres hacer. – La improvisación suele salir muy cara-
- Podrás ir comparando tus resultados reales con los objetivos que te propusiste en tu plan inicial, e ir ajustando sobre la marcha.
- Recuerda, tu plan es como una proyección, no está escrito en piedra, puedes hacer cambios si crees que es necesario en cualquier momento.
- Tu plan financiero debe incluir, por ejemplo:
- Tus ventas
- Tus proyectos
- Cambios que quieras hacer en el negocio.
- Capacitaciones
Te invito a descargar la plantilla automatizada gratuita que he creado para que puedes llevar de la teoría a la acción el paso #2.
#3. Ten el hábito de revisar frecuentemente tus números.
- Siempre separa tiempo en tu agenda para revisar tus números.
- Es como hacer una cita contigo mismo para ver cómo andan tus finanzas y tomar decisiones de los pasos a seguir.
- Es importante que vayas creando esto como un hábito o una tarea más que tienes que hacer dentro de las actividades regulares de tu emprendimiento.
- Las finanzas son como la columna vertebral de tu negocio, préstale la atención que se merece.
#4. Registra todos tus ingresos y gastos.
- Te ayudará a saber exactamente donde se está hiendo cada centavo que entra y sale de tu negocio.
- Tomar mejores decisiones financieras.
- Definir el orden de prioridad de tus actividades.
- Realizar ajustes, reducir o eliminar gastos que no le están aportando valor a tu negocio.
- Lo que equivale a un ahorro y más dinero en tu bolsillo.
Te puede interesar ver el paquete de plantillas automatizadas para emprendedores del Store: Aquí.
#5. Tu negocio debe tener un fondo de emergencia.
- Dependiendo de tu tipo de negocio el monto de fondo de emergencia puede variar.
- Este fondo servirá para cualquier emergencia que ocurra en tu negocio que necesite ser atendida de inmediato.
- El fondo de emergencia te ahorrará el dolor de cabeza de tener que endeudarte para hacerle frente a la emergencia.
- Por ejemplo: Un negocio que se dedica a dar servicios de cortar grama, y se le daña la corta grama, que viene la máquina que realiza el trabajo más importante, sin esta no pueden trabajar, ni generar dinero, hay que repararla o comprar una nueva, para eso usaría el fondo de emergencia.
¡Ya sabes! Aplica desde hoy mismo, estos 5 pasos esenciales para tener tranquilidad financiera en tu negocio y te aseguro que sentirás una paz y tranquilidad enorme porque tendrás el control de tu dinero, sabrás dónde estás con respecto a tus finanzas y te permitirá realizar las acciones para progresar en tus metas.
Espero que estos tips te sirvan para mejorar y hacer crecer tu negocio!
Un abrazo,
Sophia
Coach financiera para Emprendedores
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