A company or a small shop needs a lot of start-up capital and working capital. The more sufficient the funds, the better, so as to avoid various unpredictable reasons leading to poor turnover in the initial stage of business. This fund may be saved by your hard work for many years, or it may be collected by your relatives and friends. The more money, the better. The reason is that you can easily open a shop, but you are not required to invest all. If you are a wage earner, you'd better not invest all the money you have saved, lest the closure of the store make you suffer huge losses. This is the same as the reason for trading stocks in the stock market. So don't blindly seek scale when opening a shop, so as to avoid over-investment and business depression. Small shops have relatively less capital gains and less risks. You can gradually explore the experience and laws in the process of opening a small shop to prepare for future development. Although the store is not profitable, it has done business and accumulated funds over time.

Diligent housekeeping not only makes you well-fed and well-fed, but also helps you complete the original accumulation of wealth.

In daily life, it is important to pay attention to saving every kilowatt hour and every drop of water. What's more important is to learn and master some thrifty housekeeping experience and form good habits, such as:

(1) Avoid blind expenditure. It is the primary enemy of savings to follow the fashion aimlessly, join in the fun and blindly snap up goods that families don't need at present. So spend money carefully and carefully. It is not an expense needed by the family and cannot be easily spent.

(2) Eliminate harmful expenses. Some expenses are not only useless but harmful, and they are the least worthwhile for family consumption. For example, smoking, drinking, smoking and alcohol can cost as little as tens of yuan and as much as several hundred yuan a month. After several years, thousands of people smoked and drank on the table without spending. Besides, it is harmful to your health.

(3) Reduce wasteful expenditure. Business waste in the family is the most easily overlooked, and the accumulated amount is very large. For example, turn on the light to sleep, turn on the light when you go out, and turn off the gas when the water boils. May eat more waste, eat fine food but not greasy, only eat meat but not vegetables, only eat flour and rice but not coarse grains, like supplements and don't pay attention to exercise. These are not conducive to nutrition and health, but also a waste of expenditure.

(4) Limit the cost backlog. Family expenses should be planned. If you buy goods only by interest, over-purchasing will cause a backlog. Over time, the goods stored for several years will deteriorate and become worthless, or the stored goods will depreciate invisibly because of the upgrading of goods, which will bring great waste. Therefore, general non-durable goods, it is best to buy and use now, so as not to cause a backlog.

(5) Delayed loss expenses. The service life of some commodities can be artificially extended. For example, the rational use of household appliances can prolong life and save money. Going to thrift stores to buy cheap necessities is also a good way to save money.

2. Use cooperation to raise funds

Sometimes when opening a certain type of store, the initial investment is large, and it is impossible to turn around by rolling profit. You can choose one or two reliable partners to operate together and solve the financial problem. However, partnerships are prone to various disputes, so be careful when choosing partners.

First of all, can the partner reach a business understanding with you? If you can't reach * * * knowledge, no amount of money will be spent.

Secondly, whether your partner can share joys and sorrows with you. Of course, doing business will be very hard, and you will even encounter countless setbacks and difficulties. It is even more common to encounter things that hurt and are sad. Whether your partner has the will and perseverance to endure hardship is also something you should consider. If we have these good qualities, you will succeed in cooperation and management.

Thirdly, before partnering with others, a "partnership agreement" must be signed to clearly define the responsibilities and rights and negotiate the profit distribution ratio. Otherwise, there will be contradictions and entanglements between partners, and the business can not continue. When signing the Partnership Agreement, the following terms shall be clearly stipulated:

(1) Management authority and scope of each partner.

(2) Term of partnership. A partner may not withdraw from the partnership in advance. If this happens, how to deal with it should also be clearly defined.

(3) The amount and proportion of capital contribution of each partner.

(4) How to distribute profits.

(5) Ways to attract new partners.

(6) How to deal with the responsibilities of each partner and the consequences caused by irresponsibility.

Be careful at the beginning of business.

Obviously, you should be careful in business. Due to the limited profits of small shops, the salaries and expenses of personnel must be streamlined. In the early days of some small shops, the boss often wore several hats, from greeting guests to buying and selling goods, from displaying goods to cleaning, and everything was done by him alone. But in some small shops, at the beginning of opening, the boss can't finish it alone, such as restaurants and hair salons. Then, it is particularly important for the boss to make full use of everyone. Even if your store is large in scale and the number of people increases in the future, you should try to give full play to everyone's expertise and role. This is a good way to reduce costs and increase profits.

Borrow money from the bank

There are five main forms for individuals to obtain loans from banks: credit loans, guaranteed loans, mortgage loans, pledged loans and discounted bills. At present, banks generally only carry out special consumption (such as automobile and housing mortgage) and small mortgage loans (