Aprende a administrar tu presupuesto para aprovecharlo al máximo

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Si estás por arrancar un negocio o ya tienes uno, seguramente sabes que el gran reto de los emprendedores está en hacer que los recursos que tienen disponibles alcancen. Y es que, sin duda, la medicina perfecta para que tu empresa siempre tenga dinero para sortear cualquier reto es una buena administración.

Hoy existen muchas opciones que puedes utilizar para maximizar tus recursos. Así que pon manos a la obra y conoce cinco ideas con las que puedes hacer que tu presupuesto rinda al máximo.

1. El outsourcing o tercerización. Este concepto consiste en delegar tareas y procesos que, si bien son necesarios para el funcionamiento de una empresa, no son el objetivo o core business del negocio. Toma en cuenta que si de ahorrar se trata, un punto fundamental es decidir si necesitas o no de empleados especializados o de confianza para que cumplan con determinadas funciones.

Considera que en ocasiones contratar a un tercero resulta más económico que convertirlo en staff de la compañía. Por ejemplo, si te dedicas a vender comida y no sabes nada de administración, tienes dos opciones: contratar uno o más expertos en esta área o contratar un despacho externo.

Y por contradictorio que parezca, delegar determinadas tareas permite ahorros promedio de entre un 20 y un 30 por ciento. ¿La razón? Pagar a un tercero por sus servicios es deducible de impuestos, mientras que contratar a alguien dentro de la organización significa que la empresa pagará un sueldo de entre $2,000 y $5,000 (siempre que se trate de alguien con poca experiencia o que acabe de salir de la universidad) y además tendrás que hacerte cargo de sus prestaciones.

Según Gabriel Grinberg, director de la Consultora Fone, existen distintas áreas de la empresaque puedes manejar vía outsourcing. Por ejemplo tecnología, administración, contabilidad, asesoría financiera, mercadotecnia, recursos humanos y servicios como, en el caso de un restaurante, la renta de la mantelería, la proveeduría del pan y hasta del staff de limpieza o meseros.

¿Algo más? Sí, contempla que si tercerizas ciertas actividades de tu negocio no tendrás que invertir en hacer adecuaciones de tu local, oficinas o bodegas, ya que la empresa a la que contrates para un servicio en especifico ya cuenta con la infraestructura necesaria para realizar ese trabajo por ti. Atención: también necesitarás firmar un contrato en donde establezcas cuáles serás las cuotas fijas mensuales y el tiempo de duración del mismo. Asesórate con un despacho de abogados y con tu contador.

Por otra parte, ten en cuenta que aunque la tercerización es una gran opción, también puedes generar ahorros importantes si haces ciertas actividades tú mismo. Un ejemplo son los trámites ante el Servicio de Administración Tributaria (SAT).

Un contador podría cobrarte entre $300 y $500 por realizar esta gestión, pero es tan sencillo como acudir a las instalaciones del SAT y acercarte con uno de sus asesores gratuitos para que te guíen paso a paso a dar de alta tu empresa o pagar tus impuestos. Contempla que en estas oficinas existen además computadoras listas para que realices tus pagos por Internet.

“Estos papeleos resultan sencillos y existen herramientas de ayuda en línea, además de soporte directo. En cambio, pagar a un contador por acompañarte a tus citas o a definir tus obligaciones como contribuyente te costaría por cita y por tiempo, cuando es mejor hacerlo uno mismo”, dice Grinberg.

Aquí les traigo la segunda parte de este útil artículo sobre la correcta administración de tu presupuesto a la hora de constituir tu empresa.

2. Oficinas virtuales. ¿Te imaginas tener un lugar encargado de recibir tus mensajes, llamadas, faxes y correos electrónicos por una cuota al mes, sin la necesidad de contratar a una secretaria o comprar un teléfono, una computadora, pagar Internet o gastar en impresoras? Existe.

Uno de ellos es City Office Business Center, proveedora de oficinas virtuales en el WTC y Colonia del Valle, en el Distrito Federal. José Luis Barrañón, gerente general de la firma, explica que una de las ventajas fundamentales de este servicio es proyectar ante tus clientes una buena imagen corporativa, mejorar la administración de los clientes por llamada o mensajes recibidos y contar con un soporte profesional.

El directivo especifica que los principales servicios de una oficina virtual son darte una línea especial de tu negocio con una atención personalizada, enlaces telefónicos a celulares o líneas fijas, servicio de mensajería SMS, mensajería y correspondencia, reporte mensual de llamadas, oficinas o salas de juntas, domicilio fiscal y secretarias.

La empresa cuenta además con paquetes adaptados a las necesidades de comunicación de los clientes. Los precios de un servicio básico –que incluye recepción de llamadas, mails, domicilio comercial, asistencia secretarial, envío de mensajes y bitácora de llamadas– es de $750 y $850 al mes.

Otros de los planes incluyen el uso de oficinas o salas de juntas para reuniones importantes, con todas las herramientas necesarias para realizar presentaciones y atender con calidad a los clientes. Los precios van desde $990 hasta $1,600 mensuales.

“Esto te permitirá contar con una infraestructura de primera sin invertir un monto inalcanzable de dinero. El promedio de ahorro en comparación con rentar una oficina física es del 90%”, asegura Barrañón.

3. Teletrabajo. Si vas a utilizar una computadora para arrancar un negocio no necesitas un modelo nuevo. Usa tu equipo personal, tu teléfono y porqué no… tu casa. Hay negocios para los que no es necesario contar con un local u oficina rentada, sobre todo, remarca Gringberg,“cuando se habla de empresas de servicios que no requieren la exhibición de un producto”.

Complementa el “home office” con el teletrabajo. Así podrás crear un espacio de conferencias en línea, ya sea entre miembros de la misma organización o clientes externos. Entre sus ventajas está que habilita el envío de presentaciones, proyectos y la modificación de los mismos en línea por una fracción del costo que representaría una reunión presencial en una oficina o en un restaurante.

Gerardo Vera, director de Soluciones de Colaboración de Microsoft México, comenta que existen herramientas como Office Live Meeting, que ofrece múltiples opciones de comunicación como video en directo y grabado, chat, uso compartido de diapositivas y aplicaciones, audio de voz sobre IP (VoIP) y RTC (red telefónica conmutada pública), además de herramientas de comentarios para la audiencia.

Según datos de la página oficial del producto, el costo por usuario en un servicio básico es de US$4.58 al mes y el paquete especializado de US$15.42 al mes. Con este tipo de soluciones no sólo ahorras importantes cantidades de dinero, por ejemplo en gasolina o boletos de avión, sino en tiempo.

Ésta es la tercer parte de este interesante artículo sobre la administracion adecuada del presupuesto para la implementacion de tu negocio.

4. Cloud Computing (o sistemas en red). En sintonía con el tema del outsourcing se encuentra una herramienta tecnológica de última generación llamada cómputo en nube o cloud computing. ¿Cómo funciona? Al igual que en el outsourcing, un tercero se ocupa de tener toda la infraestructura tecnológica necesaria para que tú cuentes con aplicaciones de administración, almacenamiento, seguridad y hasta sistemas operativos completos en tu empresa. El único requisito es tener una computadora conectada a la red.

Rogelio Montekio, director de mercadotecnia para Salesforce.com, una empresa especializada en Cloud Computing de herramientas para la gestión de la relación con los clientes o CRM (Customer Relationship Managment), explica que el sistema es parecido a un servicio de televisión por cable o satelital.

Considera que existen paquetes con los que el cliente no tiene que preocuparse de quién tendió el cable o quién maneja el satélite, “sólo sabe que puede ver sus programas favoritos y paga de acuerdo a lo que tiene”, dice. En el caso de SalesForce se paga una tarifa mensual, predecible y fija, y el usuario recibe un CRM desde un navegador “sin preocuparse más que por tener conexión a Internet”.

Entre sus ventajas está justamente el costo, ya que el paquete cuesta US$9 por persona al mes, y no tiene mínimos a contratar. Además, existe la alternativa de probar por 30 días o más el servicio sin costo, tanto la versión básica como la profesional.

Esta es una idea óptima para aprovechar tu presupuesto, pues te brinda a la vez un experto de Tecnologías de la Información (TI) y un especialista en administración y mantenimiento técnico con una tarifa fija, e incluso la oportunidad de probar el servicio.

La finalidad del cómputo en nube es acceder a los recursos informáticos sin tener que contar con una infraestructura propia, lo que facilita un acceso fácil, rápido y rentable a distintas aplicaciones.

Otra oferta de cómputo en nube es la de Google, mejor conocida como Google Apps, que consiste en un software para el intercambio de información y el correo electrónico a nivel empresarial.

Sus servicios incluyen colaboración Web, creación de sitios, juntas virtuales con voz y video, compartir presentaciones en tiempo real hechas en Google Docs (su procesador de textos), Google Calendar para organizar la agenda diaria y Google Talk para realizar llamadas todo en línea. Ésta es una facilidad empresarial que tiene un costo, pero como usuario regular las herramientas pueden ser gratuitas.

Y finalmete aquí está la última parte de este instructivvo artículo sobre la mejor manera de administrar tu presupuesto a la hora de emprender en un nuevo negocio.

5. Comercio electrónico. Significa una gran oportunidad de empezar a vender sin necesidad de una oficina física. Sólo se requiere contar con una página Web que detalle exactamente los servicios o productos que vendes y un servicio para realizar las transacciones.

De acuerdo a estadísticas recientes, el mercado de comercio electrónico a nivel mundial representa US$1.6 billones anuales y su oportunidad de crecimiento ronda entre el 50 y el 70% anual.

Un servicio que podría hacer más redituable tu negocio y a la vez no requiere de una gran inversión inicial es permitir el pago con tarjetas de crédito, débito y cuentas financieras en línea de más de 190 países. Como PayPal, que ya opera en México.

Adolfo Babatz, gerente de PayPal en México, explica que contratar el servicio te toma sólo cinco minutos, ya sea como usuario o como empresa, y desde ese momento puedes recibir y realizar pagos en línea a través del sistema.

La ventaja inicial es que la firma no cobra por registrarte, no exige mantener un monto mínimo de operaciones y no cobra mantenimiento de cuenta o por cancelación de la misma. El servicio únicamente tiene un costo cuando es utilizado y las tarifas, explica Babatz, van del 2.4 al 3.4% del monto de la operación más $4 por transacción.

El interés se cobra conforme al volumen de venta de tu página, de tal manera que “si un cliente compra $100, como empresa le debes restar $2.4 y $4, es decir, $6.4 menos a cada transacción”.

Considera que, según el directivo, las tarifas están muy por debajo de lo que cobra un banco, pues la tasa de interés mínima es del 3.4%. “Los beneficios primordiales son que los clientes no deben registrar sus datos bancarios en cada transacción, incluso, los dueños del negocio no saben si el cliente pagó con tarjeta de crédito o débito, lo que facilita el proceso y da confianza y certeza de comprar en línea, y por tanto aumenta las oportunidades de venta”.

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