小公司应对现金流的7点建议(Why cash flow is so important)

小公司应对现金流的7点建议(翻译)
 

为什么说现金流如此重要呐?
Why cash flow is so important

现金流基础
Cash flow basics

我大学是主修计算机的，没有涉及到任何商业课程，所以我要学习从经验教训中得到我需要的.我所学到最重要的一课，就是公司的现金流是导致你破产的首要因素.
My university degree in Computer Science didn’t include any business training, so I’ve learned everything by trial and error. One of the biggest lessons I’ve learned is this: Your company cash flow will be the first thing to put you out of business.

现金流简单的来说就是，我的银行帐户有足够的钱来应付我的日常支出，听起来很简单？但是很多人还是会忽略的.

Cash flow basically means "Do I have enough cash in my bank account to cover my expenses?" Sounds stupidly simple, but you’d be surprised at how many people ignore this.

说它是小公司的头号杀手原因有二：
So why is this the #1 killer of small businesses? Here are the two main reasons:

1.预期公司的收入和支出是很不现实的，他们时常会高估收入，低估了支出。
2.公司看不得资金短缺，缺少money.

1.Companies aren’t realistic when it comes to predicting their income and expenses. They overestimate their income and underestimate their expenses.

2.Companies don’t see a cash shortage coming and they run out of money

我们如何去做呐？
What to do about it

希望你能注意到关注你的现金流式多么的重要，你怎么能使保持良好的状态呐？以下是我的建议：
In order to keep track of your cash flow, you’ll need a simple spreadsheet tool. My favorite is Excel.

尽可能的较少花费，这点在公司刚起步的时候由为重要。
Spend as little as possible. This is especially important in the early days of your business.

不要购买你不需要的硬件.
Be brutally realistic.

要面对残酷的现实.
Chase invoices the minute they’re late.

不要叫客户拖欠你一分钟的款项，因为如果一次他们得手了，他们就会再付给其他客户后再来支付你的费用.
定期更新的你的现金流，保持信息的准确.
Chase invoices the minute they’re late. It may sound harsh, but the minute that an invoice is late, call the company and start pressuring them.

尽量减少开支.
Cut expenses as much as possible.

人们通常不会及时付款的,要在做计划的时候考虑到这个因素.
People don’t always pay on time. When planning your cash flow, always account for the fact that it usually takes people longer to pay you than you think.

 

以上部分翻译，如有错误敬请指正，希望对您有所帮助。
原帖：http://37signals.com/svn/archives2/small_biz_101_cash_flow.php
整理：MAX（http://aboyfindyou.spaces.live.com）