You're facing market turbulence. How do you prioritize expenses to ensure financial stability?

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Navigating financial stability during market turbulence requires a strategic approach to managing your expenses. The key is to prioritize based on the value each expense brings to your business and its impact on your cash flow. This involves a thorough assessment of your costs, identifying which are essential for operations and which can be reduced or eliminated without harming your core business. By focusing on preserving cash and maintaining liquidity, you can weather the storm and position your company for recovery once conditions improve. It's about making informed decisions that balance immediate needs with long-term resilience.

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Natália De Méllo

CFO at Porta dos Fundos | Diretora Financeira Estratégica | Parceira de Negócios | Transformando Finan?as em Alavanca…
Beth Ann H. Bailey-Rinkus

Controller at BUCKS COUNTY HOUSING GROUP INC

1 Core Costs

In corporate finance, core costs are those expenses essential to your business's fundamental operations. To ensure financial stability amid market turbulence, scrutinize your spending to differentiate between indispensable costs and those that are discretionary. Rent, utilities, essential personnel, and critical suppliers fall into the core category. Prioritize these payments to keep your business running. It's tempting to cut deeply, but remember that certain investments in your infrastructure are necessary to maintain the integrity and efficiency of your operations, even in tough times.

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Natália De Méllo

CFO at Porta dos Fundos | Diretora Financeira Estratégica | Parceira de Negócios | Transformando Finan?as em Alavanca de Crescimento
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Faz parte do meu dia a dia analisar sempre minha opera??o com o olhar do or?amento base zero! Mesmo os custos essenciais para que a operacao ocorra, existe sempre a possibilidade de abrir concorrência e rever nossos contratos, com um olhar de viabilizar e melhorar os contratos e negocia??es, criando parceria com nossos fornecedores essenciais, compras agendadas e muitas outras a??es que podem auxiliar na melhor rentabiliza??o desses contratos.

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Beth Ann H. Bailey-Rinkus

Controller at BUCKS COUNTY HOUSING GROUP INC
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It is true, cutting too deeply will cripple the organization’s ability to move forward when things finally improve. Not cutting enough will not get you through the tough times. The brilliant leader finds the fine line of just enough to weather the turbulence. The mastery is in the balance.

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2 Variable Costs

Variable costs fluctuate with your business activity level, such as raw materials and direct labor. In turbulent times, closely monitor these expenses as they can quickly spiral if not managed carefully. You have more control over variable costs than fixed ones, so adjust them in response to changes in demand. This might mean reducing inventory purchases or scaling back on production. The goal is to align your spending with current revenue streams without compromising the quality of your products or services.

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3 Debt Management

Managing debt is crucial for maintaining financial stability. High-interest debt can quickly become a burden, especially when revenues are uncertain. Review your debt obligations and prioritize repayments, focusing on high-interest loans first. If possible, negotiate with creditors for better terms or extended payment periods. Consolidating multiple debts into a single loan with a lower interest rate can also reduce monthly outlays, freeing up cash for other critical expenses.

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Natália De Méllo

CFO at Porta dos Fundos | Diretora Financeira Estratégica | Parceira de Negócios | Transformando Finan?as em Alavanca de Crescimento
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A gest?o da dívida nas empresas é essencial para uma boa saúde financeira nas empresas, o equilíbrio entre capital próprio e de terceiros, é diferencial para as empresas, pois muitas vezes usar estrategicamente o endividamento com capital de terceiros é lucrativo quando bem implementado.

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4 Cash Reserves

Cash reserves are your safety net in uncertain times. They provide the liquidity needed to cover unexpected expenses or revenue shortfalls. Reevaluate your cash position and look for ways to bolster it. This might involve tightening credit terms with customers, delaying non-essential expenditures, or liquidating non-core assets. The objective is to extend your runway and give your business the flexibility to adapt as conditions evolve.

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Natália De Méllo

CFO at Porta dos Fundos | Diretora Financeira Estratégica | Parceira de Negócios | Transformando Finan?as em Alavanca de Crescimento
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No dia a dia das empresas que fa?o gest?o eu sempre idealizo reservar de 3 a 6 meses de despesas fixas, para compor a reserva das opera??es, despesas fixas essas que s?o inerentes a venda de mercadoria ou presta??o de servi?os! Essa métrica pode ser um tanto quanto simplória mas ajuda quando n?o temos estratégias definidas, para iniciar um projeto no simples que funciona !!

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Marcelo Oliveira

Copywriter | Consultor de Negócios | Engenheiro Civil
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Definir uma reserva de emergência é garantir a saúde financeira e autonomia do negócio para tempos de crise ou dificuldades. Imprevistos ocorrem frequentemente no mundo dos negócios. Flutua??es cambiais, inadimplência, queda nas vendas, despesas inesperadas. A falta de reserva de emergência indica endividamento imediato quando estas situa??es ocorrem. Faz-se necessário criar um fundo de ao menos 3 meses as despesas operacionais do negócio para que n?o se endivide ou desenvolva alguma falha operacional.

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5 Investment Decisions

Investment decisions should be made with a long-term perspective, even during market turbulence. While it's necessary to cut back on non-essential expenses, completely halting investments can hinder future growth. Carefully assess each investment opportunity and prioritize those with the potential to generate sustainable returns or enhance operational efficiencies. This selective approach will help you maintain a balance between conserving cash and investing in your business's future.

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6 Revenue Streams

Finally, consider your revenue streams and whether they can be diversified or enhanced to improve financial stability. This might involve exploring new markets, adjusting pricing strategies, or offering additional services. By being proactive and adaptable, you can find new ways to generate income that will help sustain your business through challenging times and beyond. Remember, a diverse revenue base can mitigate risks associated with market fluctuations.

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Natália De Méllo

CFO at Porta dos Fundos | Diretora Financeira Estratégica | Parceira de Negócios | Transformando Finan?as em Alavanca de Crescimento
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é essencial criar o conceito de receita previsível e recorrente em qualquer opera??es, pois muitas vezes viabiliza o breakeven das opera??es!! Quando conseguimos transformar essas linhas de receitas de forma escalável auxilia ainda mais na receita e saúde financeira do negocio!! Diretamente proporcional a estratégias financeiras das empresas!

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You're facing market turbulence. How do you prioritize expenses to ensure financial stability?

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1 Core Costs

2 Variable Costs

3 Debt Management

4 Cash Reserves

5 Investment Decisions

6 Revenue Streams

Corporate Finance

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