Psychological preparation for starting a business
When you choose to start your own business, you need to know more about how you invest.
Individual business owners are different from ordinary wage earners. In an individual enterprise, you should always be flexible. You need to constantly make marketable things, be familiar with financial working capital, save money and get along well with people.
If you are hired by another company, your salary is guaranteed; In an individual enterprise, even if you have started to make money, you are not sure when you will have income. You need financial liquidity and you must deposit it in case your account is overdue.
When you are employed, you can use stationery freely because you don't need to consider its source; In a personal enterprise, you will know how to save money, pay attention to saving money, and use all kinds of equipment carefully to prevent failure. Once something goes wrong, you must wait patiently for the repairman to fix it. So you understand? I don't know how expensive rice is if I don't take charge. The truth, because you are spending your own money now.
When you are an employee, if you haven't figured out what to do next, the boss will tell you right away. In an individual enterprise, you must always have a new strategy, and you must never be lazy.
Before you start your own business, you will understand a lot by comparing with the salary period. It is very difficult to start a personal business. You should work hard. Please be fully prepared before you step into this field. What kind of life do you want to live in a personal enterprise?
(1) sense of security. When starting a business, many people are afraid. Some people will fail because they are not prepared, have no money, have no energy and are not sensitive enough to business. Starting a business is like gambling, and the size of the bet varies according to individual circumstances. So before you bet, you must be prepared, especially not too optimistic at first, so that if you really lose money, you can bear it psychologically.
(2) status. When you are employed, if you have a company car, people will always think that you are more important than people who own private cars, but few people run personal businesses.
(3) wealth. Many people successfully run their own businesses and earn a lot of money, but some people earn very limited money. In order to live a good life, you must keep on working. Behind any quality life, there is always hard work.
(4) family. No matter when you get a job or start a business, you should be closer to your family. But in fact, you can't really spend more time with your family when you start a business. You must spend more time running your business than the average person. Especially when you start your own business, you will invest a lot of time in your work to create wealth as soon as possible.
(5) vacation. You can take a vacation, but the more you take a vacation, the more your income will decrease. When you were working class, you could get paid even during holidays. But not in his personal business. Once you start your own business, you will understand that there is no opportunity for vacation at all, and you will work hard for your career wholeheartedly.
Doing business is very hard work, not as chic and interesting as most people who don't set foot in business think.
In fact, especially for an independent entrepreneur, he often encounters various difficulties such as capital, talents and market. Therefore, entrepreneurs should have a good attitude and be fully prepared before entering this field.
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At the beginning of starting a business, entrepreneurs should have the following psychological preparations:
(1) Courage
Before starting a business, you should have some courage and be good at catching new things. We should be brave enough to try new things and firmly grasp the pulse of new markets. Even if you are not completely sure, you should dare to take risks.
(2) Confidence
Self-confidence is the foundation of one's career. Should we firmly believe in new entrepreneurs? Man can conquer nature? I believe that I can use reasonable factors to overcome unfavorable factors and finally succeed.
(3) A clear and wise mind
You should have a scientific plan for your entrepreneurial goals, and your every move should be carefully thought out. Know your strengths and weaknesses, know what you can do, and to what extent. We should give full play to our own advantages, focus on the future, and make scientific predictions and accurate judgments about the future.
(4) independence.
Be good at cooperating with others and learn to accept other people's different opinions. Stick to your correct opinion and don't be tempted by others.
(5) Set lofty goals.
We must be good at putting manpower, material resources and painstaking efforts into achieving greater goals in order to create miracles.
(6) Treat entrepreneurship enthusiastically and positively.
Have a strong interest and enthusiasm for starting a business, and don't be scared by difficulties and setbacks (continue to write a page online). With perseverance and perseverance as the spiritual support, give full play to your abilities.
(7) Love and sympathy
We should devote a broad and sincere love to entrepreneurship, be kind to others and let everyone feel the sunshine-like warmth.
(8) Never give up
Have strong perseverance and never be afraid of failure. Even if we fail repeatedly, we should stand up strongly. Do you have faith? There must be a rainbow after the storm? There is no eternal failure in life, and there are no insurmountable difficulties. As long as individuals have confidence, courage, indomitable spirit and a positive attitude to meet challenges, they will be able to tide over the difficulties of starting a business and finally achieve glory.
At the beginning of starting a business, entrepreneurs need to have a good attitude. We can neither be carried away by the sense of honor gained in the process of starting a business, nor be suppressed by the difficulties and obstacles on the road to starting a business. ? No matter how rough it is, it's better than walking around, right? If you have a good attitude, you can embark on the ladder of successful entrepreneurship.
It is difficult to get venture capital in three steps.
? Step 1: Choose the financing method as needed.
Before financing, we should choose the corresponding loan method according to the amount of funds needed. Among them, bank mortgage loans, especially housing mortgage loans, can generally obtain the largest loan amount, up to 80% of the housing evaluation price; Pawnshops get the second loan amount. If the house is also used as collateral, they can get a loan of up to 50% of the assessed house price. Policy pledge is determined by the cash value of the policy. The longer the insurance period, the greater the cash value and the higher the loan. The overdraft limit of a credit card is generally the smallest. Under normal circumstances, the accumulated cash advance does not exceed 2,000 yuan per day and 5,000 yuan for four days.
Step 2: Compare the financing costs.
The short-term loan interest rate of bank mortgage loans for less than 6 months is 4.86%, and the medium-and long-term loan interest rate for more than 5 years is 5.94%. The loan interest rate of policy pledge is also implemented according to the loan interest rate of the same grade published by the People's Bank of China; If you borrow cash by credit card in advance, the issuing bank will charge interest according to the borrowed amount from the date of advance, which is generally five ten thousandths of the daily interest, and charge 1%? 3% withdrawal fee; According to the regulations, the handling fee of the pawnshop shall not exceed 4 times of the loan interest rate in the same period, which is also the highest cost among various loan methods.
Step 3: Consider the financing period.
General bank real estate mortgage loans can provide the longest loan term, usually above 1 year, and some even reach1year; However, for all kinds of pledged loans handled by banks, the loan term will vary according to different pledges and different banks, ranging from several months to several years. The procedure of applying for a loan in a bank is complicated and it will take some time to wait.
The shorter term is policy pledge and pawnshop loan, which generally does not exceed 6 months. But the processing time is relatively short. Credit cards have the shortest interest-free period, only 50 days. If you extend the loan time according to the minimum repayment amount, you need to pay a lot of interest. But overdraft is the most convenient and can be used in case of emergency.
When there are several ways to choose from, we must consider the financing cost and choose a way that can meet the capital demand at a lower cost to save investment costs.
Recommended reading:
Starting a business and opening a shop: psychological preparation and understanding necessary for opening a shop
Have a good understanding of risks and the ability to take risks. In this era of very prosperous business, many people have joined the torrent of entrepreneurship with the mentality that working for others is not as good as being their own boss, but the risks are often ignored by them and they are only pregnant with the beauty after success. But now the market competition is so great that many factors may lead to entrepreneurial abortion, so entrepreneurs should have enough understanding and tolerance of risks.
Adapt to change. When you plan to start a business, you should put yourself in the other's shoes, that is, you may be an ordinary employee, but the next moment you will be the boss, and you may be busier than when you were an employee, so be prepared to avoid your discomfort and give up.
Positive attitude. A person's mentality determines a person's achievements, and attitude may affect your strength. Can the Prime Minister take a boat in his stomach? That's why your career can't be smooth sailing, and nine times out of ten, a positive attitude is very important.
Product learning pole. As the saying goes, there is no end to learning. Today's society is a learning society, especially for business people. So when you find that your Excellence can no longer satisfy your ambition, please calm down and study hard and save your strength.
Necessary persistence. Sometimes persistence is necessary, because you never know when you will succeed, so when you find that you are doing the right thing, please try your best to persist, and maybe happiness will be in the next second.