Work or business. How to look for a job if you had your own business. Start your business right now

Surely, many have thought more than once what to choose: work for hire for someone else's uncle or organize your own business? In this article, I will try to compare these options and show why it is not profitable to work for hire in our country.

To begin with, let's define: for what purpose does a person actually work? No matter what anyone says, there are usually only two reasons that motivate us to go to work:

• Earn required amount money to live here and now.
• Secure your future, in fact, earn a pension and a comfortable old age.

We are used to the fact that in order to achieve these goals, you must first get a decent education, and then find a good (preferably well-paid) job. However, with the collapse of the USSR, in the conditions market economy an alternative option became available to us - to open our own business and go into business.

To assess the possible prospects, it is necessary to consider the pros and cons of both options. This should take into account both psychological and economic aspects.

Psychological aspects

" Employment

Many people think that working in big company, they are part of something big and benefit society. This is not entirely true. Undoubtedly, bring benefits to society, but do not forget that you work for someone else's uncle and benefit (profit) only to him. By taking a job in a company, you initially put yourself in a dependent position and, in fact, no longer belong to yourself.

At any moment, the authorities can begin to dictate their terms, load additional responsibilities and demand their implementation. And if your work does not suit him, you can easily be shown the door. After all, there are more than enough people who want to take a warm place in the office.

Another motive that motivates a person to become an employee is the desire to gain certain experience and climb up the ladder. career ladder. But even here it is not so simple. No matter how wonderful and successful your career is, there are a number of limitations.

• Firstly, you will never rise above your boss, since it is not beneficial for him, that is, you will remain a dependent employee who follows someone's instructions.
• Secondly, your ambitions in terms high earnings also cannot always be satisfied, since wages cannot grow indefinitely: at a certain moment, when it reaches the established limit, there will be nowhere to grow further.

» Work for yourself

Your own business is an opportunity to work as long as you want, and receive income in direct proportion to the efforts expended.

In this case, the amount of income depends only on you, on your capabilities and desires.

Here you will not have bosses who would indicate what, when and how to do it. However, this is where the biggest difficulty lies. independent business- Organize yourself. Without self-discipline and self-organization, it will not be possible to build your business. No one but yourself can make you work and you have to rely only on yourself. Otherwise, the business is doomed to failure.

However, this option removes restrictions - there is no pressure from above, there is no limit to self-improvement and career growth, and your potential earnings are also inorganic.

Financial aspects

" Employment

When we get a job, we get a guaranteed salary. And this is perhaps the only plus. The employee knows in advance his salary and the minimum amount that he will receive no matter what.

However, the salary in this case is only a part of the money that the employer could pay you.

How much, you ask? It's very simple - taxes. Have you ever wondered how much taxes you pay, working at the enterprise or in the company? But it has long been known that the income of employees is the most taxable payments of all existing. Don't believe? Let's count.

Suppose an employer is willing to pay you 50,000 rubles for your work. Of this amount, in any case, the state will withhold 13% of income tax from you (6,500 rubles). Those. you will be left with 43,500 rubles. Everything would be fine, if not for one more but!

In addition to personal income tax, your wages are subject to another 30% additional fees (according to latest changes in the Tax Code of the Russian Federation).

• 22% must be given to the Pension Fund, and this is as much as 11,000 rubles.
• 2.9% - to the Fund Social Security(1450 rubles).
• 5.1% - to the Compulsory Medical Insurance Fund (2550 rubles).

Those. in fact, it turns out that in addition to accrued to employees wages the employer must give another third of it to the state. In our example, the employer for one employee will have to pay not 50,000, but all 65,000 rubles.

Due to the huge tax burden, the employee will never receive the amount that the employer is willing to pay him. Since, if he can allocate only 50,000 for wages, then only 35,000 rubles will go directly to the employee (50 thousand - 30% of contributions). At the same time, the employee will receive even less in his hands, since 13% of income tax will be deducted from him, i.e. the real salary will be 30,450 rubles.

As you can see, working for hire, a person actually loses almost half of the money earned, since we are deducted monthly at 43%.

Retirement savings is, of course, good, but there are plenty of alternative options. But we will talk about them a little later.

» Work for yourself

When you work for yourself, you are dependent on a confluence of a variety of circumstances. You do not have a fixed salary, and the amount of earnings depends only on you: on the number of clients, your professional qualities and the ability to sell yourself, your services or goods. At the same time, as mentioned above, income is practically unlimited, and there is an incentive to develop and increase your income.

In addition, the tax burden on private entrepreneurs is significantly lower than on an employee. Each individual entrepreneur working on the simplified tax system (simplified taxation system) pays 6% from the income received (or 15% of the amount of income minus expenses). At the same time, in 2012, social contributions, according to the latest changes in the Tax Code, were reduced to 20% of the income received (last year, contributions accounted for 26%).

That is, if an entrepreneur has earned 50,000 rubles, he is obliged to pay the state 3,000 rubles of the Single Tax ( 6% ) and about 10,000 rubles of contributions to the Pension Fund (20%).

And even then, this amount will be less. Since ~ 10,000 rubles is an annual amount. If you break it down into 12 months, you get a monthly deduction in favor of the pension fund of about 830 rubles.

Thus, he will have about 46,000 rubles left. And this is noticeably more than 30,000 for an employee.

But an individual entrepreneur has one more thing in this regard. beneficial advantage . The Tax Code allows you to reduce the amount of tax by the amount of contributions paid to the Pension Fund.

For example, you, as an entrepreneur, earned a million rubles in a year. In this case, the tax that you have to pay will be 60,000 rubles. Imagine that the amount of contributions to the pension fund for the year amounted to 10,000 rubles (I don’t write the exact amount, since it changes every year), then you can deduct these 10,000 rubles from the accrued tax amount, i.e. out of 60,000 rubles and thus, the total tax amount will be only 50,000 rubles.

As for the pension, while working for yourself, you also make payments to the Pension Fund and are entitled to receive from the state in the manner established for all citizens. In addition, working for yourself and getting big salary, a person has the opportunity to independently save up for old age.

You can even set aside 10%-30% of your income every month and, having accumulated a certain amount, invest in some financial instruments, a person can earn a certain amount of capital by retirement. Even the simplest way - in 20-30 or more years, with regular replenishment, will allow you to make very impressive savings.

For more risky investors, there are many other options: non-state pension funds, etc. There are actually a lot of options, and everyone can choose the most suitable for themselves.

By the way, if the words listed above seem difficult for you, then I recommend studying the course ““, which will explain the essence of these financial instruments in a simple and accessible form, help you make your own and get a much more tangible income than investing in bank deposits.

Summing up

For supporters of employment, main argument in favor of this option is a guaranteed salary and confidence in the future. However, no one guarantees you a lifetime job, the situations are different: you can be fired, laid off, reduced wages, etc. So on closer examination, it turns out that guarantees and stability are illusory, since a person does not belong to himself.

At the same time, your business, with the right approach to development, after a certain time, brings a good return. Yes, your business requires constant attention, control and action. It's like the birth of a small child. If you do not work, no one will pay you, but you get self-satisfaction from the fact that your work is appreciated, and this is a good incentive to further development.

Key benefits of working for yourself:

1) Freedom and flexible working hours. You can choose when to work. There is no boss behind your back who demands the impossible from you. You yourself choose with whom to work, what kind of work to take on, and who not to work with. However, if you are serious about business and want to earn a good income, then you will have to work hard. The fact that you can play the fool and do nothing, and they will pay money for it - these are fairy tales.

2) Income growth. If a person is employed, then the increase in salary depends solely on the decision of the boss (in the best case, it will be indexed 1-2 times a year). When a person works for himself, the level of income depends only on him. That is, he worked a lot - got a lot, worked a little - got a little. But you don't have to blame anyone but yourself for this. You can decide how much you want to work and earn. Based on this, you set specific goals for yourself and move towards them.

3) Professional growth. When you work for yourself, you are responsible for the result of your work. This is an incentive for development, increase in productivity and quality of their work. And as the quality goes up, so does the income.

Of course, your business has some disadvantages. The main one is that all responsibility lies with you. And at first, you will have to perform a lot of responsibilities. Often, a business will take much more time and effort from you than a job.

The choice is yours! However, the advantages of private enterprise are obvious, and they significantly outweigh the disadvantages. You are the masters of your own life. If you are ready to take on such responsibility and start your own business, go for it.

If you find an error, please highlight the text fragment with the mouse and click Ctrl+Enter.

Did not work out. The business has shut down and you want to return to work. In a short period of time, you have delved into many processes: you want to implement a versatile experience, even if it is within the framework of a foreign company. How to convince employers that you are not a loser, but a candidate with rare experience in different fields?

Former entrepreneurs are treated with caution: there is almost always a risk that they will not be loyal to the company and return to their business. As a rule, the ambitions of such employees are much higher and not everyone succeeds in working under someone else's guidance. All these are risks for the employer, which he diligently avoids. Service expert "" Anastasia Zhukova shared tips on how to look for work for former entrepreneurs.

Soberly evaluate the offer

Former entrepreneurs are not liked in companies with well-established processes: after returning from “free swimming”, people feel uncomfortable within job descriptions and rigorous working arrangements. But in places where decisive, responsible and independent employees are needed, former businessmen and startups are really welcome. This is confirmed by the story of one of the applicants whom I hired.

His shipping business went bust and he had to sell off a large part of his property to cover his debts. He decided to get a job as a driver to support his family. Our manufacturing company I just needed someone with a car. At the interview, it turned out that he was well versed in procurement, and we offered to deal with them as well.

The employee performed excellently, and he was gradually entrusted with conducting big deals. And after some time, the position of the head of the production and economic part of the company was vacated. The owner carefully chose people for this position: not everyone could cope with a large amount of work, and they were looking for a suitable person for a long time.

By that time, our candidate had been working in the company for about six months. Everyone agreed that he should be given the opportunity to show his skills and abilities in this position. Now he is in charge of the logistics, procurement and production block, having taken the position of deputy director.

Conclusion: do not lose faith in your strengths and skills. You have a significant advantage over other candidates: you look at the processes and the work itself differently, as the experience of entrepreneurship expands consciousness and perception. This is your forte: you know what it's like to make decisions, right or wrong, and be responsible for them.

Describe entrepreneurial experience

There are a few tips that will help you not scare off the recruiter at the first stage.

In the employer's office, responses are displayed in a list with a brief excerpt from the resume. Recruiters set up the list type themselves - usually there are work experience, desired salary and names of companies in which the candidate worked. If this information is of interest to the employer, then he opens the resume and views it in full.

List of interviewees

Therefore, if you had an individual entrepreneur, in the last place of work it is better to write not “IP Ivanov Stepan Semenovich”, but simply “Entrepreneurial activity” - it sounds better and is easier to perceive. Be sure to indicate the industry and direction of your activity.

If you do not apply for leadership position, avoid the words "owner" or "owner": they may suggest that it is difficult for a former businessman to work under another manager.

Think carefully about choosing a position, especially if the direction of your business and previous experience diverge. You can develop further in a new industry or return to the profession: both are absolutely acceptable.

If the business did not last long, apply for the position level that was before it was opened, or a little higher. A common problem is high expectations: former businessmen hope to get a managerial position, although they did not rise above an ordinary specialist at their previous job. Going straight to a leadership position will be difficult. But fast career also possible in this situation.

Describe responsibilities based on job requirements. Move relevant functions to the beginning of the description. Formulate everything in detail: brevity is not an assistant here. Specify the number of employees of the company, if any, especially if you have not previously held leadership positions.

The most common mistake I've seen on resumes is short listing of responsibilities: "Company management, procurement, customer service, development, market promotion." Everything was laid out in a couple of lines, without details. It is clear that I had to deal with absolutely everything, but the details are important here.

For example:

• company management, development of a strategy and setting goals for employees (10 subordinates);
• work with suppliers (you can name key ones if they are large and well-known, or list product groups);
• negotiating with key customers (again, if there were large ones, name them); development of a strategy for promoting products / services / services and so on.

Do not forget about the results of work in the period of entrepreneurship. If a financial indicators your business weren't spectacular, just don't list them. But information about establishing relationships, getting even small discounts on purchases, and successful experience in finding partners is worth pointing out.

Prepare for the interview

In addition to the standard questions, former entrepreneurs at the interview like to ask the following.

"Why did you decide to return to hire?"

Do not take this as an attempt to humiliate or insult you. It is really important for an employer to know what your motivation is.

The answer must be honest. A perfectly acceptable option is this: “I decided that I was ready to start my own business, because I did not see the prospects for growth in my previous job. Collected the necessary information and chose the direction of activity (explain why this is so). Organized the process. But at a certain point, difficulties arose, ”and to tell what exactly went wrong.

Your task is to convince the employer that you did not come to get the missing experience or temporarily wait out an unsuccessful period in the country's economy, but are ready to develop within the framework of a new company and use all the experience gained for its benefit.

"Are you planning to get back into business?"

You came to get a job, and your goal is to grow within the new company. That is exactly what you should answer.

“You have failed in your business. Why do you think that things will go better in a new place?”

Describe the situation honestly, tell about the reasons why the business “did not work”. Emphasize that you have gained this experience in your own company and will be able to prevent similar mistakes in another organization. Indicate that you will be able to implement complex tasks and hope to be part of a successful team - of course, if you really want to.

For those who doubt that they described their entrepreneurial experience correctly, there is the “Successful Resume” service. Experts from HR and recruitment will look at the resume through the eyes of the employer and help make it more attractive for the company of your dreams.

Let's be honest: an entrepreneur is often associated with a smartly dressed person who is always talking on the latest model phone, adjusting an expensive watch on his wrist, and then getting into a premium car to get to his plane and go to work somewhere on the islands. Because he can.

This image is further cultivated by photos from Instagram, all kinds of interviews with already rich and famous entrepreneurs.

The truth looks very different. Entrepreneurship is the hardest path you can take. This opinion is shared by Jon Westenberg, an entrepreneur, writer and columnist for well-known publications.

If you're starting a startup because you want work/life balance, freedom and time off, I've got bad news for you. You won't succeed.

John Westenberg, entrepreneur

Why won't it work? Let's figure it out.

Let's count the money

If you are an employee, you get a fixed salary. Thanks to this, you can sit down at the beginning of the month, make a cup of coffee and plan your spending 30 days in advance. You are cheerful, cheerful and have a good idea where you will spend your salary this week and next too.

The equation is simple: you work X hours a week, you get paid Y for it.

This equation does not work when you are an entrepreneur. It turns into a multi-level monster and makes your brain literally explode.

You need to understand how much money you have, what deals you can close, what is your financial flow, is there a gap ... Moreover, you need to find out how much you can allocate as your own salary so as not to go bankrupt next month. You will be forced to settle for small amounts for a long time. It is very difficult.

On the other hand, if you learn to think a few steps ahead, sooner or later your business will earn more, and you will learn to make the right decisions regarding finances.

You will have to find a balance point. Either you sacrifice your life to save money and invest in a business, or you leave everything as it is and hope that everything will work out somehow.

The second option is the easiest. He will destroy you. You have to choose the first one.

I agree, it all sounds rather sad. That is why being an employee is much easier than starting a business. Deprivation and self-restraint are difficult, and not everyone is able to cope with them.

How is it with time?

Most entrepreneurs sincerely believe that owning a business is good way control time and separate work from personal life. Unfortunately, this is complete nonsense.

For most of those who have started, time is the main and main resource. And even here, the entrepreneur has to deal with certain risks. After all, time may be short, and tomorrow it will disappear altogether. But anyway, that's all you have.

For the first few years, you will spend almost all of your time on new business. Time, in fact, will be the only resource that you completely control and feel. No matter how much money you have, time will make you worry and nervous: are you devoting too few hours to your business?

And when to live?

My boss is an idiot

So many say and plunge headlong into their own business. Unfortunately, the reality is that it is much easier to work under another person than to be your own boss. Even if the boss is bad.

There are two types of leaders:

1. The boss is a bastard. You know those. They keep a close eye on you so that you are not a minute late, they can put a stack of cases on the table five minutes before the end of the working day. They do not remember when your birthday is, and they hardly give out.
2. The boss is a jerk. There are those too. They don't care what time you crossed the threshold of the office, they do not give feedback on your work. Sometimes it seems to you that such a boss is not at all interested in what you do in the office. And therefore you feel unnecessary, and you consider your work meaningless.

The truth is that if you are an entrepreneur, sooner or later you will become one of these bosses. You will either give yourself complete freedom of action, or go crazy trying to control every minute.

Your employees will not understand you. After all, this is your business, your brainchild, your future. It is not surprising that the maximum pressure will focus on you, and the sound of a ticking clock will wake you up in the middle of the night. In fact, you will be the only person on the team who laid down his life to achieve the goal.

This is a very unhealthy situation. But it cannot be otherwise.

And good news

If you have read all the dark stories and have reached this line - we congratulate you. Because there is good news too.

All the horrors described above really exist and await everyone who starts their own business. But it's worth it. In return, you get the opportunity to create something incredible, unique and original.

You will have the opportunity to change and take responsibility for your future. When you do something for yourself, you get great satisfaction.

And maybe - maybe! - someday you will be able to go so far that you really will conduct your business somewhere on the coast, sitting on a comfortable sunbed and sipping a cocktail. But the way to this beach lounger is very long and difficult. He's not for everyone. But it's worth it.

The age-old question: what is better to work for yourself or for your “uncle”? On the one hand, there is more freedom, but at the same time, with your own business, there are several orders of magnitude more responsibility and risks.

Many of my friends said that I would not show up, since there were a lot of advertisements on plumbing in newspapers, about 40 pieces. I printed out ads and in the evening after 22:00 I went out to glue ads, in the afternoon it was somehow dumb at the beginning.

Haven't driven the car yet. After 3 months, I closed the debt, sold the car, bought another.

Income slowly increased. Along with the services, he began to sell material, made a warehouse out of the garage. I don’t give ads for 5 years already, word of mouth has been working. Now there is a brigade working, but not at such high percentages. Sometimes I get more from the material than for a percentage of the work.

Therefore, it is always necessary to look for the reason for not doing this in yourself. Being an entrepreneur is not difficult, it is difficult not to be lazy later, but to develop. Working for your uncle has its advantages, you willy-nilly go to work. And when he allows himself to relax, writing off his laziness, then on the weather, then on health or on the customer. There is no one to give you a kick sometimes to go to work.

Maybe this comment will help someone. Thank you.

One of the major recruitment portals conducted a survey of its users on the topic of what they think about the opportunity to open their own business. It turned out that only 2% of respondents did not attend such an idea. More than half think about it periodically, 23% tried to bring the idea to life, but unsuccessfully, and only 9% really developed their business.

To the question - "What stops you from starting your own business?" - respondents answered as expected:

• absence start-up capital;
• misunderstanding of business processes;
• lack of a working idea that is guaranteed to bring profit;
• high taxes, bureaucratic difficulties, problems with government agencies;
• unwillingness to take risks associated with doing business.

Indeed, owning a business is a risk. Even in the law, entrepreneurial activity is called risky, because. in its conduct, you can not only lose your investments, but also acquire a debt to the state, employees and partners. Working for someone in this regard looks like a much more stable undertaking. This stability alone is the price you pay for the added value you create for your employer, and it's often much higher than what you're compensated in wages.

True, you can leave your own business with a minus, which is why the question arises - is it possible to start a business without quitting? It is possible, moreover, according to the Association of Young Entrepreneurs of Russia, about 40% of business owners do just that - they combine employment and running their own business.

Administrative issues when combining work and business

To begin with, let's figure out whether the law allows you to combine work and your own business. FAQ budding businessmen:

• is it possible to open an LLC while working officially;
• is it possible to open an individual entrepreneur if officially employed;
• Is it possible to work in a state institution and have your own business.

We answer - in most cases, the law does not establish prohibitions on such a combination. About starting your own entrepreneurial activity you do not have to tell your employer. But there is an exception - if you are a manager at your main job, then when opening your LLC, in which you intend to work yourself, you need to obtain the consent of the owner of the employer organization (Article 276 of the Labor Code of the Russian Federation). In addition, a ban on self-employment may be established by your employment contract.

As for work in state institutions, a ban on their own business has been unequivocally established for civil servants, military personnel, judges, and police officers. Other employees of state structures cannot start their own business only if they fall under the restrictions established by Decree of the Government of the Russian Federation of August 21, 2012 No. 841.

Thus, or OOO. The opposite is also true - the founder of an LLC or a person registered as an individual entrepreneur can work in a hired job if such a need arises.

What is the difference between the IP format and business organization in the form of a firm? We examined this issue in great detail in the article ""? Here we present only the most important differences.

IP Features	LLC features
Full responsibility for the obligations of the individual entrepreneur, including property acquired before state registration or not used in business	Liability within authorized capital LLC, but the founder may be held subsidiary liable if it is proved that his actions or inaction led to the bankruptcy of the company
Simple registration, state duty - 800 rubles, psimple and fast tax deregistration	More documents to submit to the IFTS, state duty - 4000 rubles, liquidation of an LLC is long and complicated
It is easy to manage the money received from entrepreneurial activities	You can only receive income in the form of dividends and salaries if you work in your company for employment contract

To help you prepare documents for business registration on your own, we have prepared two articles:

And a few words about business taxes. The state gives small businesses the opportunity to choose the lowest possible tax burden. For example, the tax rate on the STS Income is two times lower than the income tax rate on wages. BUT individual entrepreneurs, corresponding to the conditions of provision tax holidays, generally for two years after registration are exempt from paying tax. There is no need to unfoundedly believe that taxes in Russia are unbearable for business, see for yourself using calculation examples that it is possible to significantly reduce payments to the budget by legal methods.

1. 
   Don't give up on your main job. Combining work and business is not a reason to start treating your work responsibilities worse. The current employer is a guarantee of your financial stability, a kind of sponsor of your business experiments, even if he does not know about it. Be grateful for it and continue to do well what you are paid to do.
   
2. Learn to plan your time. Do you feel like you don't have any free time? own business? What if you search? Can you honestly confirm that around the clock, not counting the time for sleep, you work in a tense rhythm? If you devote 2 hours to your business on weekdays and 5 hours on weekends, then 80 hours will be accumulated per month, and this is two full working weeks! Learn the basics of time management, keep track of time, write down every day what you have done to develop your business.
   
3. Learn to communicate. In business, it is often not the one who is smarter who succeeds, or who can offer unique product or service, but the one who knows how to convey value to the consumer. To do this, you need to be able to communicate - advertise your business, negotiate with partners, convince customers and customers, provide quality service. No sales experience - start by selling something on Avito. Never been an intermediary - go to any real estate office and become a rental agent, at least for a week. If you know how to do something with your own hands - advertise services. Your goal is not to start working at a second job after the main one, but in practice to independently integrate into the chain of commodity-money relations. Get at least a one-time small amount not in the accounting department of your organization, but from a real buyer or client.
   
4. Develop an entrepreneurial mindset. If all your conscious life you have only been fulfilling the tasks set by others (a teacher at school, a teacher at a university, a boss at work), then it is quite difficult to stop waiting for someone's instructions and start acting on your own. Learn Experience successful entrepreneurs, there is no shortage of such information. Join some business community, communicate on forums and groups in social networks. This kind of environment really changes your consciousness. On someone's example, you will understand what difficulties you will face when doing business, and with what perseverance others are moving towards the goal. And not only - you can peep a good business idea and see other people's success stories. And this is very motivating!
   
5. Look for your business idea. There are hundreds and thousands of business ideas, but all of them can be divided into three groups: services, trade, production. The service idea is the least expensive to launch, but the successful completion of a trade transaction can immediately bring you a large sum. If your choice is production, then look for a unique product for this, which has a high final value, or one that can be sold at a high margin.
   Choose ideas that look simple and clear to you. It doesn't have to be related to your profession. It may be your hobby or a direction in which you yourself, as a consumer, have felt a lack of supply. For example, one of the visitors to the passport office encountered difficulties in filling out forms and saw that there were many like him. The result is an office for automated filling of documents opened in a neighboring building.

   As a user, you can get our books on the development of various business areas: retail store, beauty saloon, wholesale, Cafe. We are preparing to publish a book on opening a law firm and an online store.

6. Explore your business idea from the inside. It's great if you can actually learn the whole process that leads to satisfying the customer's needs and making money. If you want to open a cafe, get a job at such a point as a waiter for the weekend. Attracts a taxi service - work for some time in someone's company on the terms free graphics. A good option- to study the proposals of the franchisee, even if not in the chosen, but in a related field. Ask all the questions that interest you, ask for examples of calculations of real business cases.
   Study the business plans of your idea, they can be found in the public domain or for little money on the Internet. Even if they do not seem convincing to you, the description of business processes will still bring you closer to understanding what and how you should do. If a business of the chosen direction operates in your city, become its client, just evaluate the situation not in terms of consumer satisfaction, but how you can make money on it.
   
7. Calculate how much money you need to implement your business idea. If you are not starting your own business just because you do not have start-up capital, then think maybe this is just an excuse? Do you know exactly, in real prices, how much money you need? Are you sure that without experience in business, you can start a business that requires serious expenses? Maybe we should postpone this super-idea for the future, and first try to earn more modest amounts? Remember that starting a business on borrowed money or on the last money is very, very risky!
   Do you know that if you have about half of the required amount, then you have a chance to receive up to 500 thousand rubles from the state for the development of the business? Yes, for this you need to draw up a business plan and defend its viability before the commission, but if you are sure that only money is not enough to implement your idea, then you can be convincing.
   
8. Minimize your opening costs. Review the cost estimate again and think about where you can save. Can't do without equipment, transport, industrial real estate? Consider the option or rent, do not seek to immediately acquire everything you need for the business in the property. Do you think that you can only sell goods that you purchased with your own money? This is not so - you can negotiate with the manufacturer for a commodity credit or integrate into the wholesale commodity chain as sales agent.
   It is enough just to cut organizational costs. Believe me, most startups work great without an office, a secretary, employees. It is necessary to hire workers only when it is impossible to do without it - a seller in a store, for example. The obligations of an employer under an employment contract are quite complex. It is necessary not only to pay salaries twice a month and transfer insurance premiums for the employee, but also to submit reports for them. Dismissing such an employee without his consent is also not easy. But many of the functions necessary to run your business can be entrusted to freelancers or remote workers. To do this, it is enough to conclude with them.
   Another option is service outsourcing. You do not need to hire an accountant, a lawyer, a sales agent, a driver, a courier, a telephone operator, and many other specialists. Employees of specialized services will perfectly cope with this, moreover, you can order only the necessary amount of services from them. To help you and various online services, for example,.
   
9. Establish strict financial discipline for yourself. Sooner or later, your business will take more and more time, and you will have to leave work. Give up all unnecessary expenses for a while. Form a financial airbag - an amount sufficient to cover the necessary expenses for at least six months. Don't spend on yourself the money that starts coming out of the business, keep investing it into the business until you realize that you can painlessly withdraw a certain monthly amount.
   
10. Be prepared for failure. Your first business can also be successful, but, most often, for a successful start, you need to make several attempts. How many do you need in your case? Only you can answer this from your own business experience. And remember, the most offensive thing is to understand after a shock work shift for someone for 30-40 years that you have not even tried to really change your life, although there were opportunities for this.