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Central Square Entrepreneur Helps Business Budget ‘Profits First’

如果一家企业没有坚实的财务基础或财务状况不清晰,它就无法实现增长,’ she says

By Deborah Jeanne Sergeant

Debbie Bilello是中央广场虚拟办公室解决方案的创始人和所有者. She is also the administrator for Greater Oneida Lake Chamber of Commerce.

File clerk. Typist. Insurance underwriter. Secretary. Deputy village clerk. Bookkeeper. Debbie Bilello has done them all.

“我的孩子们笑我,因为我从来没有做过超过六年的工作,”她轻声笑着说.

但在现实中,她一直扮演着同样的角色:充当把办公室凝聚在一起的粘合剂.

Founder and owner of Virtual Office Solutions in Central Square, she is doing the same thing now, although on a consulting basis. 她还担任大奥奈达湖商会的管理员.

Bilello founded Virtual Office Solutions in 2009. 她一直在帮助她的兄弟们为他们的企业提供记账服务,这时他们的一位税务会计师邀请她, “Why don’t you start your own business?”

因为她从奥斯威戈县南部的副村员职位上被解雇了, the timing was right for hanging out a shingle. But first, she needed to get some training.

虽然她精通会计,但她需要更多地学习如何经营企业. She completed the Fast Track for Business at Onondaga Community College, 是由纽约小企业发展中心认证的商业顾问领导的吗. The 20-hour course includes business plan development, legalities, hiring employees, marketing, social media, financial management and business financing options. 现在,她是“快速通道”项目的发言人,向其他新企业主讲述财务记录保存和“利润第一”.” Word-of-mouth advertising helped her gain additional clients.

Bilello helps business owners in phases, beginning with a discovery session. 在这一点上,她探索了作为客户接受这项业务的可能性.

“我愿意和任何人免费见面一个小时,因为在我知道他们的问题是什么之前,我不知道我们是否会成为一对好搭档,” she said. “We go through their pain points and what they’re struggling with. Sometimes, it’s not anything I can help them with.”

During the next step for those she takes on as clients, she looks over their accounting system or sets up an accounting system, usually on QuickBooks or on whatever industry-specific software they may use.

At this point, 她帮助他们学习如何构建公司的财务结构,使他们既能盈利亚洲十大博彩登录网址能支付账单. 这通常包括从预算中削减开支,如娱乐和未使用的订阅.

“我有一个客户花了很多钱租用商业空间,”比列罗说. “他有三间办公室和三间会议室,但从来没有人来他的办公室. He paid thousands of dollars for space he didn’t use. We talked about subleasing and other options. 我们发现他拥有这个空间的原因是因为谷歌分析. As we dug into the marketing budget, 谷歌的列表甚至都不准确,也没有把他希望的业务带到这个领域. 他认为他能从中获得回报的营销甚至没有提供回报. We cut that expense and he negotiated for another location.”

她还会把客户推荐给值得信赖的专业人士,让他们在她的工作范围之外的领域提供帮助, such as insurance or payroll.

A few years into her business, 一位客户送给她一本Mike Michalowicz写的《亚洲博彩十大网址登录》. The book proved eye-opening to Bilello, 因为它分享了企业主如何更好地规划他们的业务,从而赚钱(见侧栏).

“当我读这本书的时候,整个方法对我来说都是有意义的,”比列罗说. “This is what my clients needed. The more I pursued it, 我就越相信这就是我想要帮助我的客户的答案.”

Michalowicz offers Profit First certification, which Bilello has achieved so she can teach others the methods. 她还提供私人和团体辅导课程,教授商业和个人理财的“利润至上”.

比列罗认为,真实性“是与人做生意的关键”. “I’m trusted with people’s finances. Money has raw emotional ties. 小企业主觉得他们必须了解所有的事情,但他们没有.”

Instead, 她鼓励他们将自己专业领域之外或耗时太长的企业管理领域分包出去. Bilello enjoys handling the financial piece of business administration.

“如果一家企业没有坚实的财务基础或财务状况不清晰,它就无法实现增长,” Bilello said. “我无法告诉你,与我交谈过的企业中有多少不知道自己赚了多少钱. It’s sad because they work so hard to build something.

“As their trusted adviser, I bring that financial clarity to their business.”

Bilello’s Virtual Office Solutions serves 20 business clients, she said.

Bilello is a member of the Greater Oneida Lake Chamber of Commerce, 妇女商业机会联系(WBOC)和商业推荐网络(BRN). 在她的空闲时间,Bilello喜欢花时间与家人,绗缝和手工制作.

It’s All About ‘Profit First’

Developed by Mike Michalowicz, 利润优先是一种现金流方法,帮助企业主计划如何有效地使用资金. They divide the money in their business into five accounts, (或更多,如果需要一个特定的目的,如销售税)收入账户收集收入, another for profit (which will hold 5% of revenue), owner’s pay (50%), taxes (15%) and the rest for operating the business (30%).

比列罗说,许多企业主没有从企业中留出任何利润, nor do some pay themselves. Taxes may also be forgotten.

“人们恐慌并不罕见,因为他们拿到了税单,却不知道钱是从哪里来的,” she said. 这在他们的现金流中产生了连锁反应,因为他们不得不从运营费用中提取现金, causing financial stress on the business.

进入利润账户的钱最初应该用来偿还任何商业债务. Next, 它应该建立一个应急基金,以支付任何意外的业务运营费用.

“In case something crazy like a pandemic hits, 他们将有资金储备,并能够长期维持他们的业务,” Bilello said. “Once we’ve done that, we talk about their dreams and goals. How do they want their business to serve them? Do they have a philanthropic vision they want to contribute to?”