{"id":13530,"date":"2021-10-22T03:21:00","date_gmt":"2021-10-22T00:21:00","guid":{"rendered":"https:\/\/www.minicrm.ro\/blog\/?p=13530"},"modified":"2021-10-22T09:40:43","modified_gmt":"2021-10-22T06:40:43","slug":"un-mindset-financiar-sanatos-incepe-cu-un-buget-realist","status":"publish","type":"post","link":"https:\/\/www.minicrm.ro\/blog\/2021\/10-22\/un-mindset-financiar-sanatos-incepe-cu-un-buget-realist\/","title":{"rendered":"Un mindset financiar s\u0103n\u0103tos \u00eencepe cu un buget realist"},"content":{"rendered":"\n<figure class=\"wp-block-gallery columns-0 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><ul class=\"blocks-gallery-grid\"><\/ul><\/figure>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p><em>Am v\u0103zut foarte mult la antreprenori tendin\u021ba de a fi mai optimi\u0219ti privind ratele de profit. C\u00e2nd proiecteaz\u0103 pentru urm\u0103torii 3-5 ani, se g\u00e2ndesc ce frumos o s\u0103 creasc\u0103 afacerea lor, dar uneori nu pot s\u0103 explice de unde va veni acea cre\u0219tere. Trebuie s\u0103 \u00eei punem \u00een situa\u021bia \u00een care s\u0103 se \u00eentrebe de ce cred c\u0103 vor avea o marj\u0103 de profit opera\u021bional de 30%, dac\u0103 acum au 15%.<\/em><\/p><\/blockquote><\/figure>\n\n\n\n<p>Cristian Tudorescu este CEO al Explore Asset Management. Este unul dintre cei mai respecta\u021bi \u0219i c\u0103uta\u021bi speciali\u0219ti financiari din Rom\u00e2nia. Din aceast\u0103 postur\u0103, lucreaz\u0103 \u00eendeaproape cu antreprenorii \u0219i cunoa\u0219te provoc\u0103rile acestora, \u00een special atunci c\u00e2nd vine vorba de planificare bugetar\u0103, de previzionarea v\u00e2nz\u0103rilor, cashflow \u0219i finan\u021be \u00een general.<\/p>\n\n\n\n<p>Afl\u0103 ce are de spus Cristian Tudorescu despre riscuri financiare, achizi\u021bia clien\u021bilor, setarea de obiective prea optimiste, bugete corect realizate \u0219i mindsetul financiar al antreprenorului din Rom\u00e2nia.<\/p>\n\n\n\n<!--more-->\n\n\n<div id=\"buzzsprout-player-9361941\"><\/div>\n<p><script src=\"https:\/\/www.buzzsprout.com\/1834894\/9361941-mindsetters-7-cristian-tudorescu-un-mindset-financiar-sanatos-incepe-cu-un-buget-realist.js?container_id=buzzsprout-player-9361941&amp;player=small\" type=\"text\/javascript\" charset=\"utf-8\"><\/script><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avem tendin\u021ba s\u0103 punem obiectivele viitoare prea optimist<\/h2>\n\n\n\n<p>Antreprenorul pleac\u0103 de la ni\u0219te ipoteze atunci c\u00e2nd planific\u0103 urm\u0103torul an. Speciali\u0219tii financiari fac unele verific\u0103ri ale acestor ipoteze, se uit\u0103 la istoricul unei companii \u0219i analizeaz\u0103 unii indicatori (de exemplu, marja de profit opera\u021bional). <\/p>\n\n\n\n<p>Apoi urmeaz\u0103 \u00eentreb\u0103rile. De ce un indicator este previzionat s\u0103 creasc\u0103 sau s\u0103 scad\u0103? Este realist s\u0103 presupunem c\u0103 se va \u00eent\u00e2mpla asta, pe baza datelor pe care le avem p\u00e2n\u0103 acum? Este coerent?<\/p>\n\n\n\n<p>Exist\u0103 tendin\u021ba de a fi prea optimist atunci c\u00e2nd antreprenorii fac aceste proiec\u021bii.<\/p>\n\n\n\n<p>De multe ori, putem urm\u0103ri ni\u0219te indicatori opera\u021bionali: livr\u0103ri, distribu\u021bie, produc\u021bie, cu X ma\u0219ini pot s\u0103 livrez Y comenzi pe zi&#8230; C\u00e2nd vei avea cifr\u0103 de afaceri dubl\u0103, sigur c\u0103 vei avea nevoie s\u0103 suplimentezi flota, s\u0103 te g\u00e2nde\u0219ti de unde o vei face, care vor fi costurile asociate&#8230;<\/p>\n\n\n\n<p>Dac\u0103 e\u0219ti \u00eentr-o situa\u021bie de cre\u0219tere, probabil va trebui s\u0103 cre\u0219ti \u0219i produc\u021bia. Intervin costuri de amortizare. S-ar putea pe numerar opera\u021bional s\u0103 stai bine, dar pe profit net s\u0103 stai de fapt mai slab.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.minicrm.ro\/\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"200\" src=\"https:\/\/minicrm-wp-ro.s3.amazonaws.com\/uploads\/2021\/09\/Banner-rapoarte.png\" alt=\"\" class=\"wp-image-13335\" srcset=\"https:\/\/minicrm-wp-ro.s3.amazonaws.com\/uploads\/2021\/09\/Banner-rapoarte.png 400w, https:\/\/minicrm-wp-ro.s3.amazonaws.com\/uploads\/2021\/09\/Banner-rapoarte-300x150.png 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/a><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Antreprenorii ar trebui s\u0103 \u00ee\u0219i priveasc\u0103 finan\u021bele \u00eentr-o bucl\u0103<\/h2>\n\n\n\n<p>Unii dintre antreprenori, atunci c\u00e2nd \u00ee\u0219i propun cre\u0219terea v\u00e2nz\u0103rilor, nu se g\u00e2ndesc p\u00e2n\u0103 la cap\u0103t ce \u00eenseamn\u0103 asta: resurse, termene de plat\u0103 (\u00een unele industrii \u00eencasezi chiar \u0219i la mai mult de 90 de zile) etc. Eu c\u00e2nd fac contul de profit \u0219i pierdere nu \u00eenseamn\u0103 c\u0103 am \u00eencasat \u00een luna respectiv\u0103 banii.<\/p>\n\n\n\n<p>Cum acop\u0103r eu acel &#8220;gap&#8221; p\u00e2n\u0103 la \u00eencasarea efectiv\u0103? Cu ce resurse? Dac\u0103 antreprenorii au o viziune asupra acestor lucruri \u0219i v\u0103d \u00eentreaga bucl\u0103 \u0219i o previzualizeaz\u0103, lucrurile vor func\u021biona.<\/p>\n\n\n\n<p>\u00cen aceea\u0219i idee, obiectivul de v\u00e2nz\u0103ri nu trebuie s\u0103 fie doar valoarea v\u00e2nz\u0103rilor, ci marja de profit din v\u00e2nz\u0103ri. Dac\u0103 te hot\u0103r\u0103\u0219ti s\u0103 dai discounturi sau am\u00e2n\u0103ri la plat\u0103, trebuie s\u0103 \u0219tii c\u00e2t te cost\u0103 asta \u0219i peste c\u00e2t timp. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Am v\u0103zut foarte mult la antreprenori tendin\u021ba de a fi mai optimi\u0219ti privind ratele de profit. C\u00e2nd proiecteaz\u0103 pentru urm\u0103torii 3-5 ani, se g\u00e2ndesc ce frumos o s\u0103 creasc\u0103 afacerea lor, dar uneori nu pot s\u0103 explice de unde va veni acea cre\u0219tere. Trebuie s\u0103 \u00eei punem \u00een situa\u021bia \u00een care s\u0103 se \u00eentrebe de [&hellip;]<\/p>\n","protected":false},"author":71,"featured_media":13533,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[510,28,495],"tags":[498,519,492,522,450],"class_list":["post-13530","post","type-post","status-publish","format-gallery","has-post-thumbnail","hentry","category-financiar","category-management-sfaturi-afaceri-mici","category-podcast-mindsetters","tag-mindsetters","tag-planificare-financiara","tag-podcast","tag-proiectie-bugetara","tag-setare-obiective","post_format-post-format-gallery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Un mindset financiar s\u0103n\u0103tos \u00eencepe cu un buget realist<\/title>\n<meta name=\"description\" content=\"Am v\u0103zut foarte mult la antreprenori tendin\u021ba de a fi mai optimi\u0219ti privind ratele de profit. 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