Anggaran Usaha Kecil:Lihat Contoh Nyata

Mengerjakan anggaran bisnis kecil Anda tetapi tidak yakin harus mulai dari mana? Terkadang melihat contoh kehidupan nyata membantu Anda membuat anggaran. Postingan ini akan menunjukkan kepada Anda:

• Contoh nyata dari bisnis kecil yang sukses dengan semua angka
• Template anggaran yang dapat membantu mengelola masalah waktu pajak
• Biaya tetap dan pengeluaran variabel yang ingin Anda pertimbangkan

Tanpa basa-basi lagi, lihat bagaimana Izzy—seorang desainer dan pemilik usaha kecil—menjalankan keuangan perusahaannya menggunakan anggaran YNAB untuk pengaturan keuangan yang tenang dan bebas stres.

Tentang

• Nama: Izzy K.
• Usia: 33 tahun
• Lokasi: Main
• Pekerjaan: Dukungan Pelanggan / desainer dan pemilik usaha kecil
• Situasi kehidupan: Saya tinggal bersama pasangan dan anjing kami.

Tentang Bisnis

• Apa yang kami jual: sederet perhiasan dan cincin kawin khusus
• Usia usaha: 5 tahun
• Distribusi: situs web, grosir ke toko, dan pekerjaan khusus
• Penyiapan bisnis: Anggota tunggal LLC Saya melakukan hampir semua aspek bisnis sendiri – mulai dari produksi hingga pengiriman—tetapi saya mempekerjakan kontraktor (seringkali teman yang berbakat!) berdasarkan proyek demi proyek untuk pemotretan dan proyek desain web.

Pendapatan dan Laba Bisnis Biasa

• Pendapatan sebelum covid: $50.000-$90.000/tahun
• Pendapatan 2020: kira-kira $64,000
• Keuntungan dari bisnis: sekitar $30.000/tahun pada tahun 2020

Pandemi mengurangi pesanan grosir, menghentikan pertunjukan dan acara kerajinan langsung, dan menunda banyak pernikahan sehingga bisnis saya sangat melambat tahun lalu.

Uang Tunai

• Dana penyangga: $1.000
• Pengeluaran bisnis yang sebenarnya: Selain itu, saya menyisihkan dana bulanan untuk hal-hal seperti langganan perangkat lunak, bahan mentah, biaya tak terduga, dan menabung untuk produk atau layanan yang ditagih jarang atau tidak bulanan.

Uang tunai yang saya miliki sangat bervariasi sepanjang tahun. Perhiasan, seperti banyak bisnis buatan tangan berbasis produk, adalah bisnis yang sangat musiman. Liburan membuat sebagian besar pendapatan tahunan saya.

Hutang:$0

• Saya menerima pinjaman Paycheck Protection Program (PPP) dan bantuan Economic Impact Disaster Loan (EIDL), tetapi keduanya telah diampuni sehingga saya tidak memiliki hutang saat ini.

Meskipun saya sangat bersyukur mereka berdua telah diampuni, melamar sangat menegangkan — panduannya terus berubah!

Dengan uang dari bantuan tersebut, saya berinvestasi dalam mendesain ulang situs web dari sebuah perusahaan desain kecil. Bahkan sebelum pandemi, saya mencoba melakukan lebih sedikit pasar tatap muka, jadi ini adalah cara berinvestasi dalam membangun lebih banyak penjualan online dan mendukung bisnis kecil kreatif lainnya yang karyanya saya kagumi.

Rata-rata Aliran Masuk Bulanan:$3K-$20K

Karena perhiasan sangat musiman, aliran masuk saya sedikit berbeda. Di bulan-bulan tersibuk saya (November/Desember), saya bisa menghasilkan $20.000—sementara di salah satu bulan saya yang lebih lambat (seperti Maret), mungkin hanya $3.000.

Anggaran Usaha Kecil Saya

Anggaran

Kategori	Jumlah Target	Catatan
Undian + Pembayaran Kontraktor
Undian Pemilik	$2.000	Saya membayar sendiri satu set undian pemilik bulanan.
Pembayaran Kontraktor / Jalur 11	$300	Saya menaruh uang di sini berdasarkan proyek per proyek.
Pembayaran Kartu Kredit
Kartu Modal Satu	$0	Saya membuka dua kartu kredit dengan iming-iming bonus pendaftaran bisnis. Saya mungkin akan menghapus kartu Chase secara bertahap.
Chase Card	$0
Pengeluaran Bulanan
Shopify – baris 8	$29	Platform e-niaga situs web.
Klaviyo – Jalur 8 – pemasaran	$30	Platform buletin email
Stasiun Pengiriman – Jalur 27 – perangkat lunak	$10	Layanan ini memberi saya kemampuan untuk mencetak dan mengirimkan paket USPS dan UPS dari rumah.
Domain dan Email – Baris 8	$10	Ditagih setiap tahun, saya menghemat sebanyak ini setiap bulan.
Planoly – Baris 27	$6	Jadwalkan dan posting di Instagram secara otomatis.
Adobe – Baris 27	$30	Saya paling sering menggunakan Indesign, Photoshop, dan Bridge.
MileIQ – Baris 27	$6	Ini adalah aplikasi telepon yang melacak jarak tempuh bisnis. Gesek satu arah untuk perjalanan pribadi, geser ke arah lain untuk perjalanan bisnis.
HPP – Bagian II
Bahan – COGS baris 38	$1.084	Saya menganggarkan bahan dan perlengkapan sesuai kebutuhan. Harga logam sedikit bervariasi dan saya akhirnya sering memindahkan uang.
Supply – COGS Line 38	$38
Kemasan – COGS Line 38	$94
Pengiriman – Jalur 27	$0
Pengeluaran Triwulanan
Pajak Triwulanan	$330	Saya menghitung pajak yang dibutuhkan berdasarkan penjualan, atau berdasarkan tahun sebelumnya.
Pajak Penjualan &Penggunaan – Baris 23	$79	Saya memungut pajak penjualan untuk orang-orang di Maine (saya cukup kecil sehingga saya tidak perlu memungut pajak secara nasional) atau ketika saya bepergian ke acara tatap muka di negara bagian yang berbeda. Setiap kali saya mendapatkan pesanan/pembelian yang memerlukan pajak penjualan, saya menyisihkan uang itu dalam kategori ini.
Beban Variabel
Dana Fleksibel	$71	Ini adalah dana bantalan saya. Saya memasukkan sisa uang dari kategori lain di sini.
Pemasaran – Baris 8	$0	Iklan berbayar
Bahan Cetak – Baris 8	$50
Alat dan Perlengkapan – baris 22	$60
Persediaan – Baris 22	$0
Biaya Kantor – Baris 18	$0
Pengembalian Pelanggan – Baris 2	$0
Pertunjukan/Perjalanan
Biaya Vendor – Baris 10	$0
Tampilan – Baris 8	$0
Perjalanan – Jalur 24A	$500	Adakan acara yang akan datang di musim gugur.
Makanan yang Dapat Dikurangi – Baris 24 B	$0
Beban Variabel Jarang
Pendidikan Berkelanjutan – Baris 27	$0
Komisi dan Biaya – Baris 10	$0
Pengeluaran Tahunan
Pajak dan Lisensi – Baris 23	$7	Pendaftaran LLC. Formulir yang terjadi setahun sekali
Menyimpan
Keuntungan – 5% – Maret Juni September Desember Desember	$16	5% dari penjualan masuk ke sini. Memiliki $543. Setiap tiga bulan membayar sendiri distribusi.
Dana Penyangga	$0	Dibatasi pada $1.000
Pembayaran Pinjaman KPS	$0	Siap tidak membutuhkannya.
Total Dibutuhkan$4.750

About My Budget

My small business budget is set up in YNAB and it’s worked really well to measure my financial health and help with short and long-term planning.

I keep my owner’s draw category at the top of my budget to keep the number in front of me. I found early on in my business I was so excited about the idea of “business expenses” that it was easy to fritter money away. It’s all a tradeoff—every time I buy something, it could mean you can’t pay yourself as much, and I’m reminded of that tradeoff every time I open my budget.

I file taxes as a sole proprietor (Schedule C for taxes). To make it easier for tax purposes, I set up my budget to include the corresponding line number of the Schedule C form. Accounting software like Quickbooks and Xero do these things behind the scenes, but I do it actively in YNAB.

There’s an accounting firm called Sunlight Tax that specializes in accounting for creative small businesses that also provides a lot of education—I took a workshop with them and learned so much about better organizing my bookkeeping and how to create a business budget. The owner, Hannah Cole, was actually on the YNAB podcast talking about how artists and creatives can simplify their taxes.

How I Manage Money with My Small Business

To manage money in my business, I use:

• A business checking account
• A checking account with Square
• A high-yield savings account with Square
• Two credit cards that I pay off in full each month
• YNAB to budget and keep everything organized

I used Quickbooks Online in previous years as my small business budget—mostly because I thought it was what “real” businesses used and because it was what the accountant I was working with at the time recommended. But I found YNAB was even more helpful in decision making and planning. In YNAB I can see my runway based on the money I had in my accounts—literally the period of time I have until the money in my accounts will run out and what it will cover.

Seeing my income and expenses in this light empowered me to invest in the website redesign project because I could see exactly what would happen in my budget if I moved money to a “website” category. I like that YNAB lets you take care of what you need to for tax compliance but also serves as a decision-making tool when you’re budgeting for your business.

Learn how to set up a business budget in YNAB.

A few times a week, I’ll pop into my budget to import and categorize transactions. Friday is my big day to do money things:

• I reconcile my budget to my bank account to make sure they match
• I move money around to cover any overspending (a key principle in zero-based budgeting)
• Any other more irregular things (like paying sales tax or paying out invoices) I also do on Friday.

I set up Square, Shopify, and Stripe to deposit once a week on Thursdays, so the money is there on Friday to allocate.

With my business budget, I’m always a month ahead with expenses:when money comes in, I budget out a month before I fill up my owner’s draw category and start filling in other more “optional” categories. For example, when I flip into October, I’ll go into November’s set expenses and fill those up.

For taxes, I’ve worked with an accountant before but this past year I did my own taxes because I’m very interested in them (thanks to Sunlight Tax!). I think generally it does make sense to work with an accountant and I really liked the one I worked with previously.

Every quarter (September, January, April, June), I sit down and figure out my profit. Based on that number, I submit my estimated taxes. When it comes to April’s annual taxes, the self-employment tax I owe has already been submitted and I’m usually pretty close to the right amount.

How I Got into Running My Own Small Business

I was an English major and I’ve always been creative. I never set out to start my own jewelry line, but after working for a number of other design studios I decided to take the leap.

As a creative, I think I’d always been told I wouldn’t like the numbers side of running a business. I’d absorbed the narrative that creative people don’t like money. That’s not true and not helpful.

I went through a community-based entrepreneurship training during the first year of running my business that went over basic business financial topics like running a breakeven or cash flow analysis. It turned out I actually love the numbers side of the business—it’s so interesting.

The business is now five years old, and the creativity never stops when I leave my studio. To me running a business feels like a holistic creative practice—figuring out logistics like shipping and packaging, determining how to learn the new skills I need, structuring my budget and constantly re-evaluating how to best use the resources I have available—it’s all deeply creative.

Tujuan Keuangan Saya

When it comes to business performance, I want to shift to more online-centered sales so I don’t have to travel as much as I had before the pandemic. I’d like to break $100,000 in revenue and make the business more profitable as time goes on too. Early on, I was spending money on accumulating equipment and tools, so much of the money I was making was going straight back into growing the business.

Personally, we’re saving for a down payment and I’d love to build a tiny house or freestanding studio in the backyard for my business.

In the big picture, running my own business gets myself and my partner closer to our goal of financial independence, and having control over our time.

I would rate my current business financial situation as a 3.5/5. I’m working towards building more revenue and streamlining the business to make it more profitable but I also feel truly proud of how far the business has come.

But I would rate my current peace around finances:5/5. I feel clarity around what I want to do with my business resources and after having been in business for a few years not too many variable costs truly surprise me anymore.

You’ve been perusing small business budgeting templates, are you ready to turn one into the real thing? Learn more about using YNAB to manage your small business budget.

Want to keep going? The budget nerds talk to Laura on how she uses YNAB and the Profit First method to manage their small business. The Profit First method transforms businesses from cash-eating monsters to money making machines, and YNAB helps you execute your plan.