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Blog #69 ¿cómo planificarte financieramente para el nuevo año?

Por: Sophia Rodríguez, Asesora financiera

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Este es el último Blog del año, y por tercer año consecutivo, lo dedico a proyecciones y planificación financiera para el nuevo año que viene.

Conjunto a este Blog, te recomiendo leer también estos últimos 3 si aún no te los has leído acerca de fundamentos financieros para tu negocio:

Antes de seguir, quiero contarte ¿Qué es una proyección financiera y para qué nos sirve como emprendedores?

Esta es una de las principales herramientas que se utiliza para tener una gestión financiera efectiva, puedes lograr visualizar numéricamente las diferentes realidades que se podrían presentar a futuro, para que puedas planificarte estratégicamente con tiempo para cada una de ellas.

Te va ayudar a optimizar tus recursos económicos y a planificarte en base a prioridades.

Para hacer tu proyección financiera, puedes basarte en estos 3 elementos:

  • Tus datos Históricos, es toda la información recopilada en un periodo de tiempo, que muestra el comportamiento del negocio.
  • Tendencias, presumimos o esperamos que tendremos ciertos resultados por alguna idea, entorno social, económico, político, etc.
  • Tiempo, los resultados y actividades que estás proyectando obtener, dentro de qué rango de tiempo esperas que ocurran.

Estos elementos más nuestra experiencia en el negocio nos pueden ayudar a realizar una proyección más acertada.

Respuestas para cerrar el año y planificar el nuevo de tu negocio:

  • ¿Cuál fue la facturación total del año?
  • ¿Cuánto fueron mis gastos totales en el año?
    • Podrías separarlos para saber cuánto de ellos son gastos fijos y otros gastos.
  • ¿Cuánto fue mi ganancia bruta del año?
  • ¿Cuánto fue mi ganancia neta del año?

Es importante la recopilación de tu información financiera durante todo el año, no solo porque mes a mes podrás visualizar cómo andan tus finanzas, tomar correctivos y ajustes rápidamente si lo necesitas, sino que también te ayudará el tener todo en orden y organizado, hacer tu cierre de año y poder proyectarte más acertadamente para el año que viene. Medir los resultados es fundamental en tu emprendimiento porque lo que no se mide, no crece. 

Parte del cierre del 2019 es que revisemos puntos como:

  • Facturación de ventas.
  • Costos fijos.
  • Costos variables.
  • Costos de producción.
  • Ganancias

Quiero compartirte los 4 factores que debes considerar para hacer una planificación financiera anual. Esta te ayudará a fijarte objetivos y metas de crecimiento. Todos tus esfuerzos y estrategias de inversión, ventas y mercadeo estarán enfocadas en lograr eso que dejaste por escrito que querías lograr en el año. Además, podrás ir midiendo mes a mes tus resultados.

Factor 1: Estimación de las Ventas.

Primero debes partir de las ventas que tuviste en el 2019 y sobre eso proponerte un objetivo para el siguiente año. Recuerda que esto es un estimado, no hay una fórmula exacta. Lo importante es que el número que te propongas como objetivo sea desafiante y motivador, pero que no sea imposible de alcanzar.

Factor 2: Costos Fijos.

Empecemos por definir que son los costos fijos, son aquellos que no dependen del volumen de producción de la empresa, ni cambian en función a este. Son costos que se mantienen todo el año por lo regular y no suelen variar. Posiblemente cambien año a año por tema de inflación, pero sabes que son costos que tienes que pagar todos los meses.

Por ejemplo:

  • Gastos de alquiler.
  • Tu salario.
  • Pago de planilla.
  • Pago de servicios públicos (luz, teléfono, agua).
  • Servicio de Internet.
  • Mantenimiento de equipos, entre otros.
  • Servicios o Proveedores de tus servicios digitales.
  • Marketing
  • Otros

Factor 3. Costos Variables.

Son los que dependen del volumen de producción de la empresa, son los costos de insumos para elaborar nuestros productos u ofrecer nuestros paquetes de servicios en específico. Estos tipos de costo solo se hacen reales si producimos nuestros productos o servicios, también son conocidos como costos operativos, los cuales debemos incluir cuando vamos a calcular la rentabilidad de nuestros 

Puedes empezar asumiendo que serán las mismas proporciones del 2019, ejemplo: si los costos operativos de tu paquete opción 1 o tu producto 1 es de un total de $50.00 y el precio es de $100.00 quiere decir que el valor de tus costos variable es de 50% de su valor de venta. Podrías proyectar ese mismo porcentaje para tu planificación 2020, a excepción que hayas disminuido tus costos o hayas realizado otros cambios, entonces deberás asumir ese nuevo porcentaje.

Factor 4: Costos de Producción.

Son los costos de creación, lo que necesitas invertir en el negocio, por ejemplo: creación de tu página web, capacitaciones especiales que requieras para poder hacer un trabajo relacionado con tu producto o servicio, costos que incurras en la elaboración de un nuevo proyecto.

Los costos de producción pueden volverse costos fijos, si estos se mantienen estables ante los cambios en el volumen de producción.

No quiero terminar sin antes recordarte que se acercan las fechas para pagar tus impuestos y hacer tus declaraciones de renta, así que ve agendando en enero darle una llamada a tu Contador Público Autorizado, y comenzar a organizar tus numeritos, no dejes todo para última hora, evítate dolores de cabeza y tener que pagar multas.

Importante recuerda hacer los trámites para el pago de tus impuestos municipales. 4 Tips para manejar la contabilidad en tu negocio y evitar dolores de cabeza.

Gracias por un año de aprendizaje y crecimiento tan maravilloso, tengo muchísimo por lo que estar agradecida, a tí mil gracias por estar aquí, te deseo una feliz navidad y un próspero año nuevo.

Si te gusto el Blog de hoy, te invito a compartirlo en tus redes sociales, con tus amigos o familiares emprendedores, estoy segura de que también se podrían beneficiar de alguna de estas ideas. 

Hasta la próxima,

Sophia

Coach Financiera para Emprendedores

Si te gustó este episodio, comparte:

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Mi objetivo es ayudarte a ver tu patrimonio crecer, brindándote mayor seguridad y tranquilidad financiera.

Imagina la sensación de saber que tu dinero está trabajando para ti, que mes a mes tu patrimonio se incrementa, brindándote una tranquilidad única.

Yo ya vivo esa realidad y mis clientes también. Ahora es tu momento.

Soy Sophia Rodriguez

CONOCE A LA HOST
DEL PODCAST, CEO de Finanzas con Sophia

Mi pasión y mi vida giran en torno a las finanzas. Poseo una habilidad natural para desglosar conceptos financieros complejos en explicaciones comprensibles.

Un don que aplico diariamente junto a mi equipo, asesorando a clientes en más de 17 países repartidos en 3 continentes, así como a través de mis redes sociales, boletín informativo y podcast.

Mi objetivo es ayudarte a ver tu patrimonio crecer, brindándote mayor seguridad y tranquilidad financiera.

Imagina la sensación de saber que tu dinero está trabajando para ti, que mes a mes tu patrimonio se incrementa, brindándote una tranquilidad única.

Yo ya vivo esa realidad y mis clientes también. Ahora es tu momento.

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