{"id":6842,"date":"2018-07-12T13:18:00","date_gmt":"2018-07-12T13:18:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6842"},"modified":"2023-01-10T08:48:44","modified_gmt":"2023-01-10T08:48:44","slug":"finansu-planavimo-patarimai-smulkiam-verslui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/finansu-planavimo-patarimai-smulkiam-verslui\/","title":{"rendered":"Finans\u0173 planavimo patarimai smulkaus verslo savininkams"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”21px|||||”][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” header_font_size=”46px” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_font_size=”27px” header_2_line_height=”1.3em” header_3_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Smulkaus ir vidutinio verslo savininkai sudaro did\u017ei\u0105j\u0105 dal\u012f Lietuvos \u012fmoni\u0173. Investuodami savo laik\u0105 ir pinigus \u012f nuosav\u0105 versl\u0105 \u017emon\u0117s da\u017eniausiai tikisi pasiekti finansin\u0119 laisv\u0119, realizuoti svajones ir dirbti tok\u012f darb\u0105, kuris jiems labiausiai patinka. Ta\u010diau s\u0117kmingas verslas, ypa\u010d veiklos prad\u017eioje, reikalauja daug d\u0117mesio ir pastang\u0173, tad da\u017enai kitos gyvenimo sritys kaip \u0161eima ar asmeniniai finansai lieka nuo\u0161aly.<\/h2>\n

Pateiksime kelet\u0105 patarim\u0173, ko netur\u0117t\u0173 pamir\u0161ti smulkaus verslo savininkai, siekdami i\u0161laikyti pusiausvyr\u0105 tarp \u012fmon\u0117s ir asmenini\u0173 finans\u0173 ir u\u017esitikrinti stabilias pajamas ateityje.<\/p>\n

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Nustatykite verslo ir asmenini\u0173 finans\u0173 prioritetus bei ribas<\/h2>\n

Kiekvienam verslui reikalingos l\u0117\u0161os investicijoms ir pl\u0117trai. Siekiant \u012f\u017eengti \u012f nauj\u0105 rink\u0105 ar i\u0161pl\u0117sti gamybos padalin\u012f Jums gali prireikti l\u0117\u0161\u0173, kurias galb\u016bt taup\u0117te senatv\u0117s pensijai ar vaik\u0173 i\u0161silavinimui. Tad prie\u0161 pradedant nuosav\u0105 versl\u0105 svarbu yra nustatyti prioritetus ir nubr\u0117\u017eti rib\u0105, iki kurios galite rizikuoti savo asmeniniu turtu bei pinigais, o kurie i\u0161tekliai tur\u0117t\u0173 b\u016bti nelie\u010diami.<\/p>\n

 <\/p>\n

Kontroliuokite \u012fmon\u0117s patiriamas i\u0161laidas<\/h2>\n

Net ir geriausia verslo id\u0117ja bus pasmerkta \u017elugti, jei jos generuojamos pajamos bus ma\u017eesn\u0117s u\u017e i\u0161laidas. Da\u017enai koncentruojamasi \u012f produkto pardavim\u0105 bei nauj\u0173 klient\u0173 pritraukim\u0105, o \u012fmon\u0117s patiriami ka\u0161tai lieka nepri\u017ei\u016brimi, tad galutinis rezultatas ne visada b\u016bna teigiamas. \u012emon\u0117s patiriamos i\u0161laidos turi b\u016bti nuolat per\u017ei\u016brimos ir kontroliuojamos. \u012evertinkite patiriam\u0173 i\u0161laid\u0173 efektyvum\u0105 ir apskai\u010diuokite j\u0173 duodam\u0105 naud\u0105. Ie\u0161kokite b\u016bd\u0173 kaip jas suma\u017einti pasinaudojant technologin\u0117mis naujov\u0117mis ar derybomis su tiek\u0117jais.<\/p>\n

 <\/p>\n

Skirkite laiko mokes\u010di\u0173 sistemos analizei<\/h2>\n

Prad\u0117j\u0119 vykdyti ekonomin\u0119 veikl\u0105 i\u0161 kurios gausite pajamas, tur\u0117site dal\u012f j\u0173 sumok\u0117ti valstybei. Taigi labai svarbu dar prie\u0161 pradedant versl\u0105 i\u0161analizuoti, kokia \u012fmon\u0117s steigimo forma J\u016bs\u0173 verslui yra priimtiniausia. Gal tiesiog u\u017etekt\u0173 individualios veiklos pa\u017eymos ar verslo liudijimo? O gal verta steigti ma\u017e\u0105j\u0105 bendrij\u0105? Pasikonsultuokite su teisininkais ir buhalteriais, kad \u0161is svarbus sprendimas b\u016bt\u0173 priimtas apsvars\u010dius visus pliusus ir minusus.<\/p>\n

Prad\u0117j\u0119 vykdyti veikl\u0105 kruop\u0161\u010diai saugokite duomenis apie visas patiriamas i\u0161laidas bei gaunamas pajamas. Tokiu b\u016bdu met\u0173 pabaigoje bus lengva u\u017epildyti ataskaitas Valstybinei mokes\u010di\u0173 inspekcijai ir j\u0173 pateikimas netaps dar vienu papildomu i\u0161laid\u0173 \u0161altiniu. Jei dokumentai bus netvarkingi, tur\u0117site gai\u0161ti laik\u0105 juos r\u016b\u0161iuodami ar samdydami papildom\u0105 \u017emog\u0173 \u0161iam darbui.<\/p>\n

 <\/p>\n

Pasir\u016bpinkite pensij\u0173 draudimo \u012fmokomis<\/h2>\n

Tre\u010diosios pakopos pensij\u0173 fondai \u2013 tai gera galimyb\u0117 ne tik Jums patiems pasir\u016bpinti didesne pensija senatv\u0117je, ta\u010diau kartu panaudoti tai ir kaip darbuotoj\u0173 lojalumo skatinimo element\u0105. \u012emon\u0117s sumok\u0117tos \u012fmokos tre\u010diosios pakopos pensij\u0173 fondui n\u0117ra apmokestinamos nei socialinio draudimo, nei gyventojo pajam\u0173 mokes\u010diais. Tokiu b\u016bdu \u012fmoka \u012f pensij\u0173 fond\u0105 gali b\u016bti apie 70 proc. didesn\u0117, nei i\u0161moka darbuotojui mokant pried\u0105 prie atlyginimo (nes i\u0161mokami priedai apmokestinami visais anks\u010diau min\u0117tais mokes\u010diais). Taigi kiekvienas smulkaus verslo savininkas gali pasinaudoti \u0161ia galimybe sutaupyti pinig\u0173 ilgu laikotarpiu, kai tuo tarpu samdomiems darbuotojams \u0161i galimyb\u0117 n\u0117ra prieinama.<\/p>\n

 <\/p>\n

Numatykite i\u0161\u0117jimo i\u0161 verslo strategij\u0105<\/h2>\n

Verslo vykdymo prad\u017eioje yra naudinga \u012fvertinti savo l\u016bkes\u010dius ir numatyti, kokia suma u\u017e parduodam\u0105 versl\u0105 Jus tenkint\u0173, kad gal\u0117tum\u0117te i\u0161 jo pasitraukti. Visi\u0161kai normalu, jog prad\u0117j\u0119 vykdyti versl\u0105 skirsite jam daug savo laiko. Ta\u010diau da\u017enai net kai verslas tampa s\u0117kmingu ir ne\u0161an\u010diu peln\u0105, verslo savininkas negali i\u0161 jo pasitraukti ir skiria jam vis\u0105 savo energij\u0105. Tad rekomenduotina dar verslo prad\u017eioje suplanuoti sum\u0105, kuri\u0105 pasiekus parduoti versl\u0105 b\u016bt\u0173 racionalu.<\/p>\n

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Diferencijuokite gaunamas pajamas<\/h2>\n

B\u016bdamas verslo savininku J\u016bs jau patiriate ma\u017eesn\u0119 rizik\u0105 likti visi\u0161kai be pajam\u0173 nei samdomas darbuotojas. J\u016bs\u0173 pajamos priklauso nuo klient\u0173 skai\u010diaus, kuris yra didelis, kai tuo tarpu samdomo darbuotojo pajamos priklauso tik nuo vieno kliento \u2013 darbdavio. Siekdami \u0161i\u0105 rizik\u0105 dar labiau suma\u017einti pasistenkite, kad \u012fmon\u0117s pajamos nepriklausyt\u0173 nuo keli\u0173 stambi\u0173 pirk\u0117j\u0173, o klientai b\u016bt\u0173 i\u0161 skirting\u0173 rinkos segment\u0173.<\/p>\n

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U\u017etikrinkite pakankamai l\u0117\u0161\u0173 \u012fmon\u0117s apyvartiniam kapitalui<\/h2>\n

\u012emon\u0117s apyvartinis kapitalas reikalingas tiek einamosioms i\u0161laidoms padengti, tiek nat\u016braliam verslo augimui palaikyti. \u012emon\u0117s geb\u0117jimas u\u017edirbti pakankamai pajam\u0173, kad b\u016bt\u0173 palaikomas apyvartinio kapitalo rezervas, parodo jos galimybes ir vystymosi potencial\u0105. Tod\u0117l b\u016btina sukurti sistem\u0105, kurioje atid\u017eiai b\u016bt\u0173 kontroliuojamos gaunamos pajamos ir patiriamos i\u0161laidos bei nuolat palaikomas gryn\u0173j\u0173 pinig\u0173 rezervas.<\/p>\n

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Papasakokite savo verslo istorij\u0105<\/h2>\n

Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

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Smulkaus ir vidutinio verslo savininkai sudaro did\u017ei\u0105j\u0105 dal\u012f Lietuvos \u012fmoni\u0173. Investuodami savo laik\u0105 ir pinigus \u012f nuosav\u0105 versl\u0105 \u017emon\u0117s da\u017eniausiai tikisi pasiekti finansin\u0119 laisv\u0119, realizuoti svajones ir dirbti tok\u012f darb\u0105, kuris jiems labiausiai patinka. Ta\u010diau s\u0117kmingas verslas, ypa\u010d veiklos prad\u017eioje, reikalauja daug d\u0117mesio ir pastang\u0173, tad da\u017enai kitos gyvenimo sritys kaip \u0161eima ar asmeniniai finansai […]<\/p>\n","protected":false},"author":1,"featured_media":21259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

Advisory board<\/strong><\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

<\/p>\n","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[48],"yoast_head":"\nTeisingas finans\u0173 planavimas: patarimai smulkiems verslininkams<\/title>\n<meta name=\"description\" content=\"Ko netur\u0117t\u0173 pamir\u0161ti smulkaus verslo savininkai, siekdami i\u0161laikyti pusiausvyr\u0105 tarp \u012fmon\u0117s ir asmenini\u0173 finans\u0173.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factris.com\/lt\/naujienos\/finansu-planavimo-patarimai-smulkiam-verslui\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finans\u0173 planavimo patarimai smulkaus verslo savininkams\" \/>\n<meta property=\"og:description\" content=\"Ko netur\u0117t\u0173 pamir\u0161ti smulkaus verslo savininkai, siekdami i\u0161laikyti pusiausvyr\u0105 tarp 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