Cinco consejos para evitar los errores más comunes que cometen los emprendedores

emprendimiento1Cifras de la Superintendencia de Insolvencia y Reemprendimiento indican que, en promedio, al tercer intento una persona logra emprender en Chile. Burocracia, inexperiencia y malas decisiones son parte de los motivos por los que este tipo de experiencias no funcionan al primer intento.

Enzo Salazar, coach de educación financiera y representante de LiberaLive en Chile, entrega algunos consejos para evitar los errores más comunes entre los emprendedores:

No tienen claro su ‘Por qué’

La cuestión está en saber por qué estamos emprendiendo, cual es el porqué del negocio. Muchas veces los emprendedores sólo se enfocan en ganar dinero y se olvidan de las razones de su negocio.

Plan de negocios no escrito

Cuando una compañía no cuenta con mucho capital, o tiene algunas dificultades financieras,  es cuando el emprendedor necesita más que nunca tener su plan de negocio escrito, ya que ante cualquier necesidad de solicitar inversión o atraer socios o inversionistas, este documento será de mucha importancia para que ellos tomen la decisión de invertir. Además te ayuda a ver más allá y a no perder el foco de las metas y objetivos como empresa.

No saber y no preguntar

Muchos emprendedores toman la asesoría como un gasto y prefieren hacerlo todo ellos, pero ésta es una inversión, ya que nunca seremos experto en todo, ni tampoco es necesario. Es muy importante que aprendas a crear tu propio equipo. Atrévete a preguntar y eliminar el temor a que los clientes o la competencia piensen que no sabemos o que es un error.

No formarse antes de comenzar

Hoy existen muchos medios y formas de adquirir conocimientos. Estamos en la Era de la Información y no podemos poner como excusa la falta de información o la dificultad para acceder a ella.

No separar el dinero personal del dinero de la empresa

Tener las cuentas claras y ordenadas desde un principio es fundamental. Muchas veces tenemos todo en una misma cuenta y  termina causando un desorden total. Normalmente partimos financiándonos nosotros mismos, con préstamos de amigos o familiares, hasta que la compañía califique para grandes préstamos empresariales, por lo mismo, es necesario que tengamos un buen control de qué hacemos con estos dineros y en qué se invirtieron. Por ejemplo un gran error que cometen algunos es utilizar el dinero del IVA. Debemos entender que el dinero que nosotros recaudamos de los impuestos es un dinero que no nos pertenece. Si a esto le sumamos que no tenemos claridad de los gastos o bien no ordenamos las compras por parte de la empresa, muchas veces podemos pagar más de lo que corresponde en impuestos.

Para aprender a ordenar el presupuesto y manejar el dinero al momento de emprender, el próximo 25 de agosto se realizará una masterclass de Educación Financiera. Todos los detalles en http://www.enzosalazar.com.

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