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Comment gérer les finances de votre entreprise

Alexandra Ardelean

A business owner in Canada asks for advice on when he can start reaping the benefits of his business.

Blake is a business owner in Canada. He has been running a plumbing, heating, electrical, and cooling company for almost two years. The company has an annual revenue of 1.3 million and five employees, including Blake and a partner. Their wives are also on payroll for tax purposes.

The company's current net profit is $250. They reinvest all profits back into the business, including buying vehicles with cash and leasing a building. Blake is concerned about when he can start reaping the benefits of the business.

He says, "I'm not sure if I should be taking money out of the business or if I should be reinvesting it all back in."

The company experiences cash flow fluctuations due to delayed payments from builders. Blake is concerned about being responsible for his employees' livelihoods and is hesitant to take money out of the business for personal use.

He says, "I feel like I'm responsible for my employees' families."

Voyons ce que Dave Ramsey a à dire à ce sujet.


Dave here: Blake, you're doing great! You're running your business on cash and taking care of your employees' families. That's awesome!

Mais vous devez commencer à prendre des bénéfices à la maison aussi. Voici comment faire:

First, you need to move your retained earnings out of that checking account. You're not following basic financial rules by keeping all that money in there.

Vous devez mettre de côté un montant spécifique pour couvrir les fluctuations de votre trésorerie, mais le reste doit être déplacé et investi dans quelque chose qui vous rapportera un retour.

Next, you need to implement job costing so you can track profitability on each project. This will help you see where you're making money and where you're losing it.

Vous avez aussi besoin de mettre en place un budget pour que vous puissiez planifier pour les dépenses futures.

Finally, I want you to set aside six months of operational expenses as retained earnings. This will give you a cushion to cover your cash flow fluctuations and allow you to continue growing your business.

Once you've done all this, you have my permission (not that you need it) to start taking some profits home. I suggest you take your wife on a trip with the first withdrawal. You've earned it!