Aaj aap jaha bhi nazar ghumaenge, aapko ek naya business milega. Chaahe vo product based business ho ya service based, entrepreneurship ab koi nahi cheez nahi hai.
Iss article me hum small and medium sized businesses ke liye yeh sab discuss karenge:
Financial Plan kya hota hai aur kyo chahiye hota hai?
Jab businesses ki baat aati hai, finances ko ek importance di jaati hai. In finances ko manage karne ke liye aap ki help kar sakta hai ek financial plan. Financial plan aapke past ko nazar me rakhte hue aapke future ko plan karne me help karta hai. Kaise? By helping you work on it in the present.
Simple shabdon me, koi aisa plan jo finances par focus karta hai, financial plan kehlata hai.
Personal ya professional lives, in dono ki financial part par better focus karne ke lliye hume financial plan ki zaroorat padti hai. Kisi bhi plan ka purpose kaafi simple hota hai – aapko aapke short-term aur long-term goals tak easily pahunchne ke liye aapko step by step guide karna.
In fact, sirf guide karna hi nahi, ek plan aapke liye ek picture paint karta hai taaki aap aasani se yeh dekh sake ki aapko kya aur kya nahi karne ki zaroorat hai.
Kya dhyan me rakhein apne small business ke liye financial plan create karte samay?
- Goals
- Income
- Spending
Apne small business ke liye Financial plan kaise banaye?
Financial plan chaahe personal use ke liye ho ya professional yaani business purposes ke liye, dono ke liye generally hum same process follow karte hain:
1. Apne business goals set karein
Kitni sales ke liye aap aim kar rahe hain, kya revenue aap generate karna chahte hain, kitne products aap sell karna chahte hain/kar sakte hain. Ye goals realistic ho to aapka financial plan aapko zyada benefit karega because in realistic goals ke basis par set kara gaya financial plan aapko easily in tak pahuncha sakta hai.
2. Aapke expenditure ya kharcho ko likhein
Aapke business ke expenditure me kaafi cheezein aati hai:
- Raw materials aur production ki cost
- Employees ki salaries
- Agar aapne koi space rent kari hai to location ka kharcha
- Internet, bijli, paani ka kharcha
- Deliveries aur delivery partners ko payments
Aur bhi bahut kuch.
Yun to ye aapke fixed kharcho me aate hain, aise aur bhi kharche ho sakte hain jo monthly basis par change hote ho. Jaise employees ka Diwali bonus. Aise kharcho ko aap plan me add ya remove kar sakte hain.
Zaroori hai ki in kharcho ko aap dhyan me rakh kar hi plan banaye.
3. Check your sales and revenue
Aap product-based company chalate ho ya services-based, revenue generation har business ka ek aham hissa hota hai. Yeh revenue aapke business ke expenditures ko manage karne me help karta hai. Abhi tak aapke paas kitna balance hai yeh dekhna toh zaroori hota hi hai, magar monthly basis ya yearly basis par kitna revenue aap generate kar paa rahe hain, aur sath hi aap profit me jaa rahe hain ya loss me, yeh bhi bahut important hai.
Aur to aur, yeh profit/loss dekhne se aap na sirf apne financial plan ko monitor karte hain but apne business ko bhi monitor acche se kar sakte hain. Aur ek baar aadat padne par aur experience hone par aap apna profit aur loss predict karna bhi try sakte hain.
4. Priorities set karein
Kya aapke liye zyada important hai aur kis par aapko pehle apna money spend karna hai, yeh aapko analyse karna hoga. Ek list banaye aur sare kharchon ko ek priority dein. Fir dekhein ki har ek cheez me kitna amount aapka spend hoga ya hona chahiye. Agar kahi par expenditure zyada hai aapke budget ya income se, to apni priorities aur unme hone vale kharcho ko re-evaluate kare aur dekhein ki kaha aap spending kam ya zyada kar sakte hain.
5. Funding ko track karein
Aapki jo existing investment ya funding hai, usey track karte rahe. Funding aapke financial plan ko aur strong banata hai because revenue ke alawa ye bhi ek cash flow lekar ata hai. Kab tak aapki existing funding aapki help karegi aur kya aapko aur investment ki zaroorat padegi, aap iss factor ko apne financial plan me include karke dekh sakte hain.
Financial plan aap paper aur pen lekar bana sakte hai ya online tools jaise spreadsheets ki madad lekar bhi create kar sakte hain. Aap yeh khud bana sakte hain ya fir iske liye kisi professional ki help bhi le sakte hain. Magar kaise plan karna, kin tools ki help lekar plan karna hai, ye itna zaroori nahi hai. Zaroori hai to yeh ki aapka financial plan aapke business ki kitni help karta hai aur aapko kitna organised banata hai.
Ek accha financial plan aapko business run karne ke liye aur confident banata hai. Aur jaise-jaise aapki finances manage karne ki understanding badhti hai, aap apne business ke liye better decisions bhi le sakte hain.
