One of the hardest things to get a handle on as a business owner is your
finances and how you can support your business and your personal life.
You have to have a good plan in place in order to be able to still
handle all your expenses consistently without any issues.
So the
first thing I would suggest to you is to make a budget. And you're
probably asking "how can I create a budget if I don't know how much
income is coming in the door."
Remember a budget is simply a
plan. Nothing else. It's not The Constitution. It can change. That's
called forecasting and we will talk about that another time. One of the
main purposes of creating a budget is so that you can know how much
expenses you have to pay out every month. When you know how much you are
going to pay out it helps you better strategize about how you are going
to bring more money in the door.
The second thing I would
suggest would be to include you savings plan in your budget. We as
business owners sometimes forget about savings because we don't have a
steady paycheck coming in. But just like when you were working as an
employee and you had to "pay yourself first" by putting aside money in
your savings account or 401K, you have to do the same thing for your
business. Open a separate savings account for your business and set
5%-10% aside from each payment you receive from a customer. So when
those slow periods arise, and you don't have any income coming in from
customers, you have that money set aside for you to be able to still pay
your bills on time and consistently.
The third thing I suggest
is, for that credit card that you are dying to pay off early, don't do
it until your cash flow is consistently at the level you need it to be
at in order to support your lifestyle. Unless you can make a large lump
sum payment and pay it off in full, don't make that large payment so
that you can better manage your cash flow. Wait until you have money
coming in the door consistently before you try to pay it off. Right now
while business is still fluctuating for you, put that extra money in the
savings account I mentioned before so that you can have it during those
times when business is slow.
How do you handle your cash flow
when business is slow? What tips and tricks can you share to help better
manage your monthly cash flow?
Article Source: http://EzineArticles.com/8109736
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