Te entiendo perfectamente, como tú, yo también he estado en tus zapatos, sé lo que es dejar tu zona de confort, para aventurarte a empezar el camino de emprender, yo sabía que no iba a ser fácil, que hay mucho por aprender, sentía cierta incertidumbre, pero todo lo hice con el único objetivo de cumplir mi sueño, lograr vivir de lo que me apasiona y me encanta hacer.
Una de las cosas más difíciles con la que todo adulto tiene que batallar es con sus finanzas personales, el mantenerlas lo más pulcras posibles, muchas veces puede tornarse sumamente complicado, nos podemos ver preguntándonos ¿Qué será lo que estoy haciendo mal, que el dinero no me alcanza? o ¿No sé en qué se me va el dinero?
Cuando decidimos emprender un negocio propio, el saber administrar nuestras finanzas se vuelve aún más importante, porque de esta, depende que nuestro emprendimiento sea rentable, y que estemos seguros sabiendo que nuestro dinero y tiempo están siendo bien invertido.
Si te encuentras mes a mes, tratando de sobrevivir o te sientes que estás cojeando en este tema, aquí te hablo de los 4 errores más comunes que cometen los emprendedores en sus finanzas, este contenido te servirá para detectar qué estas haciendo mal, y en que puedes comenzar hacer ajustes para mejorar la manera en la cual administras las finanzas de tu negocio.
1. Gastar más de lo que ganas y depender del crédito.
No tienes que ser el master en finanzas o economía para saber que es totalmente contraproducente gastar más de lo que ganas. Esto solo contribuye a crear un hueco en tus finanzas que se puede convertir en serios dolores de cabeza y constante estrés. Para eso existen formas más llevaderas como recurrir a créditos financieros o tarjetas de crédito, siempre y cuando tengamos un plan de pago bien definido y estructurado, que no afecte nuestro presupuesto y que tengamos la capacidad para cumplir con el compromiso.
Si estás comenzando tu negocio, sabes que es el momento cuando más gastos genera, pues todo es inversión y muy poco o nada entra a nuestra cuenta, en esta etapa te recomiendo sentarte y analizar muy bien cuales son tus prioridades y reduzcas los gastos al mínimo. Considera lo que realmente es necesario e imprescindible para tu negocio.
Si ya estás en una etapa más avanzada, pero tus gastos son superiores a tus ingresos. Mi recomendación sería, que armes un presupuesto si no lo tienes aún, si lo tienes que lo revises, de tal manera que puedas hacer ajustes donde consigas reducir tus gastos al mínimo posible. Si después de esto, tus gastos siguen siendo mayores a tus ingresos, entonces debes aumentar tus ingresos. ¿Cómo? Buscar nuevas formas de generar ingresos extra.
Algunos ejemplos:
- Genera más contratos o ventas.
- Haz nuevas alianzas de mercadeo.
- Haz promociones para incrementar tus ventas.
- Crea productos digitales interesantes y atractivos para tu cliente ideal y véndelos en tu página web.
- Usa en lo que eres experto y comparte tus conocimientos con otros, ofrece asesorías.
2. Mezclar las finanzas personales con las finanzas de tu negocio.
Es muy común que emprendedores tiendan a no dividir sus finanzas personales con las de su negocio. Este error lo he visto cometer casi el 95% de las veces, si eres de los que utiliza la misma cuenta de ingresos de tu negocio para pagar cuentas personales, ¡Error! No lo sigas haciendo, esto te crea confusión y desorden en tus finanzas que después ni tú mismo entiendes.
Ten las cuentas claras, esto te permitirá saber exactamente cuáles son tus ingresos y gastos, información valiosísima con la que podrás realizar ajustes de ser necesarios para mejorar la rentabilidad y administración de tu negocio. Me encanta esta frasecita…¡El Orden Produce Milagros!
Algunas recomendaciones que te podría decir de este punto serían:
- Dependiendo de tu negocio, evalúa cuantas cuentas necesitas tener para llevar todo más en orden y evitar confusiones.
- Debes pagarte un salario mensual como dueño/ejecutor de tareas de tu negocio, el cual se trasladará como un gasto desde la cuenta de tu negocio a tu cuenta de ahorros de donde manejas tus finanzas personales.
3. Olvidarse que también el negocio debe ahorrar.
El ahorro es un hábito que nos cuesta mucho hacer en nuestras finanzas personales, puede ser aún mas difícil pensar hacerlo en nuestro emprendimiento, pero en ambos casos no ahorrar es un error, el ahorrar una porción de los ingresos de la empresa es una estrategia muy inteligente, nunca sabes cuando se te puede presentar una emergencia en la cual necesites gastar dinero, o si es el caso que ya tienes en tus metas y calendario hacer un proyecto y sabes cuánto te costará, puedes crear un plan de ahorro específico para ese proyecto, en fin mi recomendación es que ahorres al menos 5% de los ingresos a una cuenta especialmente para ahorro del negocio (el % de ahorro puede ser más).
Algunas recomendaciones o consejos:
- Abre una cuenta especial para ahorro de tu negocio.
- Ejemplos de tipo de ahorro para inspiración o reflexión:
- Fondo de emergencia.
- Ahorro de inversión.
- Ahorro para compra de equipo.
- Ahorro para capacitaciones.
- Ahorro para proyecto específico.
- Ahorra al menos 5% de tus ingresos.
- Incluye el ahorro en el presupuesto mensual de gastos del negocio.
4. No educarse financieramente.
Creo que decir que nuestra motivación como emprendedores es lograr el sueño de ser nuestro propio jefe, no trabajar para nadie, trabajar en lo que más nos gusta y lograr que nuestro emprendimiento se convierta en nuestra principal o única fuente de ingresos, es totalmente cierto.
Para lograr que nuestro emprendimiento crezca con empuje, esfuerzo y que logre mantenerse en el tiempo, hay que educarnos financieramente. Para que nuestro emprendimiento se mantenga vivo, es necesario generar ganancias y que esas ganancias tengan la capacidad de generar riqueza.
A veces invertimos en capacitaciones para mejorar nuestras ventas, nuestros productos y servicios, pero dejamos a un lado las finanzas, el cómo administrarlas eficientemente será clave para que el negocio siga creciendo y perdure en el tiempo.
No necesitas ser financiero o contador, no es la idea, ni mi recomendación, pero si que puedas tener el conocimiento para exigir información financiera que requieras, y poder comprender si esa información es coherente, útil y confiable para tomar decisiones.
Si eres un emprendedor que está recién empezando, tómate el tiempo para leer y aprender todo lo que puedas acerca administración de finanzas para tu negocio.
Aquí te dejo una lista de 10 libros recomendados por Entrepreneur.com de Finanzas para Emprendedores.
Si eres un emprendedor que ya lleva tiempo en su negocio, y no le has metido mucha cabeza a las finanzas, te invito a dar un STOP, y evaluar cómo estás administrando las finanzas del negocio, podría ser que estés solo produciendo ingresos para pagarle a proveedores, o estés por endeudarte innecesariamente, o no estés generando la suficiente rentabilidad en la venta de tus productos y/o paquetes de servicios, pero aún no lo sabes.
Si no cuentas con el tiempo para auto-aprender, puedes dejarle el trabajo a un mentor o coach financiero, que te ayuden y enseñen a través de mentorías personalizadas, herramientas aplicables en tu día a día para administrar eficientemente todos tus recursos económicos.
Muchas empresas han fracasado por una mala gestión financiera, puede que sus productos y servicios sean lo máximo, pero el no saber cómo manejar el dinero es como crónica de una muerte anunciada.
Ya sabes que personalmente soy fiel creyente en que una buena administración de ingresos es clave para una mejor calidad de vida en todos los sentidos, tanto para ti, para tu negocio y para tu familia.
Espero que estos consejos te sirvan, como siempre me encantaría que me respondas y me cuentes qué te apareció, si es algo que te gustaría aplicar y cualquier duda que te quede.
Hasta la semana que viene,
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