Being good with money is essential to living a financially sound life. It s a requirement if you want to improve your credit or get out of debt..Welcome to the Smarter Living newsletter. The editor, Tim Herrera, emails readers with tips and advice for living a better, more fulfilling life..Looking for a few simple ways to save money? Explore this step by step guide on how to save money to help you achieve your savings goals from Better Money .Credit card debt was low or non existent , people always used cash, if you do even half of these recommended steps, you re doing better .If you follow these four steps, you ll be able to move from financial stress to financial stability. Step Create a Budget. Step Get on a Money Management Plan..So given that it s Financial Literacy Month, we ve decided that there is no better time than now to round up our top money tips into one juicy, super helpful .Manage your money better with our Budget planner tool. To get started on your budget, you ll need to work out how much you spend on Household bills Living .Tip Work on your money mindset. If you want to be good with or get better at managing your money, you have to first decide you are ready. This .
There are four main financial decisions Capital Budgeting or Long term Investment decision Application of funds , Capital Structure or Financing decision Procurement of funds , Dividend decision Distribution of funds and Working Capital Management Decision in order to accomplish goal of the firm viz., to maximize .The three types of financial management decisions are capital budgeting, capital structure, and working capital management. A business transaction that would include capital budgeting is if your company should open another store or not..The long term investment decision is referred to as the capital budgeting and the short term investment decision as working capital management. Capital .Answer to What are the three types of financial management decisions? For each type of decision, give an example of a business transaction that .For each type of decision, give an example of a business transaction that would There are three types of financial management decisions Capital budgeting, .There are three decisions that financial managers have to take Investment Decision Financing Decision and Dividend Decision. Browse more Topics under .Answer to What are the three types of financial management decisions? For each type of decision, give an example of a business tra .What are the three types of financial management decisions? For each type of decision, give an example of a business transaction that would be relevant. Step by .The financial manager in a small business is a key decision maker, often the He may have to choose, for example, between making a tax payment on time and A standard financial management principle is to collect receivables due to the .
Many people who have the desire to have their own business, but are hindered by the capital needed. The best solution is to start a home-based business. You can use the empty places in the house such as the yard, garage and kitchen to start running a business. By utilizing a home, you can save substantial capital costs, so that the available capital can be allocated for other needs. Here are some ways you must do when you want to successfully start a home business.
Ask for Family Support
Family becomes the most important element before starting a business, especially if you are just going to start a business. Families become supporters in terms of material and non material. If until the family does not support, the business that you live will be increasingly difficult to grow, it can even fail because there is no support from the family. Therefore, in business, family support is needed, starting from the beginning of pioneering until success later.
Although the business is only a class of home-based business, but you also need to master the administration, although only simple. Always carry out administrative records in an orderly manner even though the value is fairly small and never mix personal finance with business. One of the main foundations for business continuity that you will live in to be successful is administrative matters.
Keep Your Mind From Failure
Every business has only 2 choices, success or failure. A true businessman will never be afraid of failure, even though he is still a beginner. If from the beginning you were not sure about the business you are doing, you can be sure that the business will fail in the future. Mental business people will usually be strong over time and the obstacles they have faced, it takes a long process to be successful. So, ask yourself, which is strong between thinking success and failure before starting a business.
Define Business Vision & Mission
Determining the vision and mission is important to determine the direction of business goals going forward, even though the business is only a class of home-based, but you also have to define it clearly so that when the business is running, there will be clear goals that are achieved in the future, not only as long as it runs but must have targets. Without a vision and mission, what is the goal and how to achieve that goal becomes difficult to achieve.
Calculate Capital Needs
You will not run a business if you do not have enough capital. Carefully calculate which needs are most important so that the business can run. Avoid purchasing goods that are not necessary. In addition, you can also take advantage of what is around the house to start doing business such as the yard, garage, kitchen, cooking utensils, and so forth.
Select the Field that matches the Passion
Important points to start a business is in accordance with the passion you have. Why does it have to be in accordance with your passion? If based on passion, then what you do will be more energetic and feel lighter. When a business is run with enthusiasm, the business will quickly achieve success. Avoid choosing fields that are not according to passion. So if you like the field of photographer, you can open a photo service at home, or if you like design, you can open a graphic design service. Only with Adobe Photoshop software, you can get extra money as well as passion channeled.
Choose Time to Start
Building a business cannot be done carelessly. Do not be in a hurry, because a business requires careful calculation, you can experience a slight loss. If you choose the wrong time, then your business will fail. For example, when approaching the month of Ramadan, the most appropriate business is selling Muslim clothing and Eid cakes.
Determine the Uniqueness of the Product
When you have started a business, so that the product you have can be well received by consumers, you must have a product that is more unique than similar products. Especially now that competition is getting tougher so that every product that is marketed must be able to attract and attract customers. In addition, by using unique products, your brand will be more easily remembered by consumers.
Do the Promotion Right
Promotion is one of the mandatory things you have to do to introduce the product to potential customers. The more often you do promotions, the more people know about the products you have. In the case of promotion, so as not to spend too much money, the target of the promotion must be right. You can try to promote your product through Facebook Ads or Google Adwords, both platforms can determine the target according to what you want.
Give the best
There is a saying that the buyer is king. Then it is appropriate that you provide the best for buyers so that they feel satisfied. If the buyer is satisfied, then later they will usually come back and suggest to others to come to your business.
After doing the ten ways above to start a home-based business, the next thing you need to do is manage your finances appropriately. With proper financial management, the business will grow and succeed. Journal is an online accounting software that helps you manage business finances easily, safely and quickly. You can record every business transaction anywhere, no need to use thick and heavy accounting books, you can use your smartphone. For information on other interesting features from the Journal, you can get it here.
Social distancing seems to be the most talked about topic since the outbreak of COVID-19 became a global pandemic. Social distancing is a campaign for everyone including the government to reduce the number of viruses that have another name SARS-CoV-2.
What is Social Distancing?
Social distancing or keeping a distance is an attempt by someone not to interact with a short distance or avoid the crowd. This is done so that droplets or small particles coming out of the human mouth are not scattered and touched by other humans.
Humans can produce at least 500 droplets when talking, 3,000 droplets in one cough, and 10,000 droplets when sneezing. These droplets will spread in the air and can even stick to certain parts of the human body such as the hands. So as to avoid spreading droplets.
But in its development, social distancing turns into physical distancing by quarantining oneself at home and avoiding outdoor activities. It is feared that outbreaks that could have mutated and have the ability to airborne, or live in the air for a long time so that transmission is no longer through liquid or droplet, but from direct air.
Influence and Strategy for Keeping Business Run
Since the outbreak of COVID-19 broke out in Indonesia, small businesses, especially MSMEs, are at risk of loss. For example, barber entrepreneurs, coffee entrepreneurs, and also other small entrepreneurs who need direct interaction. People will not leave the house and will avoid direct physical contact to reduce spread.
For this reason, businesses can change strategies in the marketing process and also in operations. What are the strategic steps that can be taken by small businesses or SMEs?
Micro Business Credit Relaxation Policy
In the midst of the epidemic, it turns out that the Financial Services Authority (FSA) implemented a policy of relaxation of micro business credit. UMKM debtors will get credit allowance in the form of credit payment allowance of up to one year and also a decrease in interest. With this policy, it is expected that SMEs can focus on other financing that directly targets business development.
Making Substitution Products
One effort for SMEs to run is to create supporting products that replace the main products. This is done so that businesses can continue to run in the midst of an outbreak. For example, online motorcycle taxi riders can be affiliated with SMEs to distribute goods so that they can benefit both.
Another example, if you are a coffee entrepreneur, you can sell coffee grounds through social media. If you are a barber businessman, you can sell shaving supplies such as hair creams, hair styling gels, or hair-washing medications. Any idea can be run in the middle of the plague. Stay productive as a business actor and continue to grow.
Change Market Reach
Not much different from making a product substitution, changing market reach means to suppress market reach. For example, your product is usually sold outside Java, so since this outbreak, you can focus on the reach of markets around production. First, to reduce costs. Second, is to avoid transmission for goods expeditioners.
Re-Weighing Assets and Expenditures
Changes in operational and marketing methods must also affect assets and expenses. You can reduce or move the budget where it feels necessary. For example, cutting or eliminating transportation, packaging, or direct marketing budgets. You can also focus your budget on asset depreciation, because during an outbreak like this, depreciation will happen very quickly.
The final strategy is digital transformation in all aspects. For example in selling products you can rely on internet marketplace, digital marketing, or social media marketing. You can also manage your employees using HR software such as attendance and remote payroll.
Even more important is managing your finances with accounting software. By using accounting software, you can create, control, and also send financial reports without having to interact directly.
As an online accounting software application, the Journal also supports and is committed to helping meet the challenges of maintaining productivity and economic growth amid demands to reduce mobility to the workplace and public crowds through business programs.
Find out more about Journal products on the Journal website or fill out the form below to try the free Journal demo directly. Get a 15 percent discount and try it free for 30 days if you subscribe for 6 months. In addition, you can also get a 35 percent discount and try it free for 60 days if you subscribe for 6 months. This offer is for all packages and is only valid until the end of March 2020. Greetings healthy and productive always!
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