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Tips on avoiding financial blunders

It is said that our failures teach us many things. That may or may not be true. In any case, it is better to avoid making the all-too-common mistakes regarding finances. Here are few times on how to avoid financial blunders in businesses:

1. Expanding before funding is confirmed: Too often business owners become overly optimistic about the potential of their business. That is quite natural. It is a positive thing to be excited and hopeful about the success of your enterprise. However, you must be careful of not pulling the trigger and expand things before they are ready. Many promising businesses have gone under or suffered a set back due to a lack of foresight when it came to resisting the urge to grow before roots had been firmly planted.

2. Allowing credit terms: It is quite natural that new or smaller businesses want to do whatever it takes to get a good customer base. After all, customers are what keep doors open. However, business people must also remember that customers can actually hurt a business. As odd as that may sound, consider this notion. Often small businesses feel that one of the best ways to attract new customers is to extend an offer of easy credit terms. And customers being human are more than happy to accept the attractive credit. The problem comes from the fact that the business is paying upfront for merchandise or services without being compensated. Waiting for payments can be the death of a business.

3. Taking on excessive inventory. Every business person wants their business to be the best that it can be. The drive to excel is definitely healthy in the business world. At the same time, it is essential that this strong desire to be the best does not cause one to lose the restraints of common sense. Of course, you want your business to have the biggest selection and widest variety of new items. Just don’t get carried away.

Be sure that the business does not carry a larger inventory than is necessary. Shelved inventory is an example of outgoing funds rather than profit.

4. Getting a loan which is not needed. While it is always a good idea to have access to necessary funds, borrowing money that is not essential is quite often an added expense that your business does not need. Sure, the bank may make you a very attractive offer. That is their business. But you need to remember your business and not get smothered under a mountain of debt. Some debts are unavoidable and is part of doing business. Some debt is harmful and can hinder business. Be sure that you recognize which is which.

Finances are the “make or break” of doing business. It is important for you to regard your business finances with the care it deserve.

Corporate Bangladesh site has many articles on similar topic. Do visit if you are interested to know mote tips on doing business in Bangladesh or how to cope this the pressure in work desk. 

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