A friend once complained income from his business always runs out before the save. If there is any that can be saved, the numbers only slightly. In fact, the project that he received quite a lot. Supposedly, his business can run smoothly and life can be happy even though there were no orders. However, that happened just the opposite.

This may be experienced by some people who started the business world. Moreover, if the business classified as the type of family business. At the start of business, when he gets the project, the money always runs out to his family. The term, when it's happy, forget everything. Forgot to pay electricity, telephone, internet, transportation, and so forth.

And one thing that always forgotten is the record of all activities and transactions. Not many small businesses that do so. In fact, the recording is an important basic step that must be done to promote business. Then, how to manage business finances better?

1. Determine the Financial Portion
The easiest way to manage the financial business is to agree early on how many servings of money that will be used according to the traffic needed money. For example, how much money will be used to pay salaries, operations, and how much profit will be used to develop the business and for savings.

For starters, you can try to divide the portion of 30:30:30:10. Serves 30 percent for salaries, 30 percent more for operations, such as office rent, the cost of electricity, telephone, fax, transportation, and so forth. Then another 30 percent to develop business, and the remaining 10 percent for personal savings.

So, for example income of Rp 20 million, Rp 6 million (30 percent) immediately cut in early to disishkan as salary, USD 6 million for operational costs, USD 6 million for the costs of business development, and Rp 2 million for personal savings.

The pattern of distribution with the structure of these percentages are not absolute. You can set your own. Noteworthy is the discipline in the share based on the value that has been agreed upon at the beginning. In this way, you'll more easily manage business finances.

2. Separate your Personal and Business Accounts
Once the portion is determined, the next step to do business financial records. Indeed, if the business is still small, we tend to often equate the money received in the effort and money for personal gain. In fact we usually keep the money in one account number.

In fact, if the financial business and personal finances are combined, you will have difficulty in monitoring income or expenditure that has been done. By making the separation between the financial records of business with personal finances, it will be easier to distinguish between the flow of funds from enterprises with the use of money for personal gain.

In addition, the separation of recording can also provide further information about the financial situation of enterprises that are running. Especially at this time a number of banks already provide service products that can support your business financial records. Among other things, product Taplus Business of Bank BNI and Business Bukopin Alert Savings from Bank Bukopin.

3. Do not Easily Seduced
These are the main points as a form of business self discipline. And, indeed the key to manage the financial business is a discipline in which we adhere to the portion of the percentage set for business and personal finance.

The temptation usually comes when it is often many orders. The goods were not already too important to be like "asking purchased". There are times, when money entered in large numbers, we suddenly feel the need this and that. One of them, buy clothes with a reason to look more reasonable when meeting a client.

It never hurts to meet that desire. But with the note, you should be able to distinguish the needs and desires. Before you buy something with a business reason, ask first, whether it is an urgent need or desire that can be postponed. Well, this answer will help you determine where money could be used.

Where possible and have sufficient funds, you can use accounting software for business financial records. With this software, financial records could be made more professional and neat. That way, you also do not have a gap to arbitrarily take the money business for personal needs. (Source: kompas.com)