Nowadays , many people started looking for his passion and make it as a promising source of livelihood . Many years of being an employee , what can swerved into an entrepreneur ? It could be ! If this is a life choice that you want to run . Try evaluating how prepared your finances in the transition from employee to entrepreneur .

First , you must create a comprehensive business plan . A business plan should answer important questions , such as : What are you selling ? Who is your market share ? How big is the potential market value today and in the future ? What will be the competitive advantage in your business competition ? How do you make a profit ? How much competition there is in this business category ?

Second , after completing a business plan , then you access the funds as a source of working capital . The business plan gives an overview of how much capital you need , whether the need to borrow from the bank , and how your business can pay the working capital debt .

Third , create a monthly budget of a new household . How do you determine how much income per month ? When you work for this business , then set salary every month you take of business . Enter the amount of salary as part of operating expenses . Well , make sure the household expenditure is less than the basic income of the business . Make sure you set aside a budget to cover the company's losses and operational financial obligations .

Fourth , prepare personal finances . One of the biggest fears an office employee -turned- entrepreneur is the risk of not getting regular income . Do not be discouraged if at the initial stages , you do not get the same amount of income as an employee .

Fifth , have a contingency plan as a backup plan if something happens so it does not run smoothly . Consider the following :
- Do you have the option to go back to work full time at your old company ?
- Do you have the option of returning to full - time employment with the new employer ?
- Do you want to try a new business direction ( ie still being an entrepreneur , but in a different industry categories ) ?

Therefore , before starting a business, you are required to have an adequate emergency fund availability . These funds must be deposited in the form of regular savings or deposit at least 12 times the number of monthly expenditures . This fund is used to meet the needs of your routine when your efforts do not provide income . In addition , it is worth considering your options contingency plan .

Do you already have an adequate emergency fund ? Try checking with the help of this calculator .

I personally have experience building financial consulting business after working in a big multinational company for five and a half years . Six months before deciding to stop working , I collect and use the emergency fund half the salary to meet the needs of each month .

Business Finance and Personal Finance

Finance business is different with your personal finances . When you decide to do business , direct finance to businesses with separate finances for personal . Discipline in the books have done since the beginning .

An initial capital investment of your business . Take note of how much investment you have to spend as venture capital . Every business expenses , shall be paid from the income of the business . The same principle works in reverse . Every business income can not be directly used to finance your household budget . Use cash flow to finance business personal purposes is a big mistake .

Do not be Afraid to Start

In the early stages of starting your own business , results of operations sometimes not in line with expectations . Do not back down just because you are afraid of losing a regular income usually enjoyed as an employee . Ideal business always starts with a great plan and supported . However , keep in mind to strengthen the domestic financial foundation before starting a business .

(  greetings success for all  )

The following light exercise with maximum results you can do in the midst of work :

- Fast Way
Brisk walking is a cardio workout that is lightweight yet effective to increase the intake of oxygen and blood circulation . By doing this physical activity every day or at least three times a week for 15-30 minutes , naturally , bones , muscles and joints become stronger .

- Jogging
Jogging can strengthen the heart , respiratory launched , burn fat , and make sleep more soundly . For maximum results , do this exercise every day or at least three times a week about 30 minutes to 1 hour .

- Cycling
Cycling regularly can improve the work of the heart and lungs as well as reduce the risk of diabetes . Simply by cycling three times a week for 30 minutes to 1 hour can burn body fat and reduce weight and risk of obesity .

- Swimming
In addition to strengthening the function of the heart and lungs , swimming is a sport that is beneficial for spinal health and reduce the strain on the joints . Swim a short distance though , will involve most of the muscles of the body so it can burn about 25 % of calories in the body .

- Sit ups and push ups
Light activities such as sit- ups and push- ups can improve and maintain muscle mass in certain body parts , such as arms and stomach . Sit ups and push ups every day for 15 minutes can also increase the levels of testosterone in the body . According to the Hormone Foundation , the low levels of testosterone can lead to the risk of osteoporosis .

7 health benefits derived from eating warm water

Here are seven health benefits of water consumption habits as reported from magforwomen.com . Fixing the digestive process Warm water is very beneficial for digestive health because the warm water will help to absorb nutrients from the food you eat to the fullest . Cleanse your body Warm water will help you to get rid of harmful toxins from the body . Make you look more beautiful Because most water cleanse toxins from your body , then it will also have an impact on the beauty of your face . Your face will look more beautiful and radiant Good for your throat Sometimes consume cold water suddenly will cause pain in your throat . Therefore you can minimize them by taking warm water . Stimulate bowel movements Eating warm water especially in the morning turned out to provide many benefits for digestion , especially bowel movement . It is a natural solution , especially for those who suffer from constipation . Weight control Eating warm water is often recommended for those who are trying to lose weight . So if you want to lose weight , try to start your day by consuming a glass of warm water every morning . Can be used to calm the mind It turns warm water has psychological benefits that you will feel calm and comfortable when drinking it slowly in the morning . So what are you waiting ? Immediately consume a glass of warm water every morning to improve the quality of your health .