Sonhos desfeitos, visão pessimista do futuro, diminuição do padrão de consumo, piora na qualidade de vida e problemas de saúde física e psicológica. Claro que crise econômica é ruim e claro que é ruim dar uns passos para trás, mas o fato é que esse processo não deveria ser desesperador. Não deveria causar tanto estrago. E, um dos principais motivos para tanto estrago é confundir e misturar a administração financeira do consultório com a administração financeira pessoal.
Consultório Odontológico é um negócio e o dinheiro do negócio não é do dono até que se apure lucro. Simples assim! Só se tira do consultório, para levar para casa, o lucro. Em outras palavras, o dinheiro que o dentista leva para casa é aquele que sobrou depois de pagar todas as obrigações e fazer os investimentos. Esse conceito é importante para um futuro promissor porque o negócio tem que sobreviver apesar da vida pessoal de seus donos.
A forma mais simples e eficiente de manter a saúde financeira do consultório é usar contas correntes bancárias separadas para o trabalho e para os gastos pessoais. Nada se mistura nessa relação. Aliás, a única relação é o montante de dinheiro transferido da conta do consultório para a conta pessoal. Em nenhuma hipótese se paga supermercado, gasolina, restaurante e cinema com a conta do consultório. Muito menos aluguel da casa, financiamento habitacional, prestação do carro e escola das crianças.
A essa altura você deve estar se perguntando como pagará por seus compromissos pessoais se o dinheiro está “preso” na conta do consultório. Aí é que está o pulo do gato, a grande sacada. Viva como a grande maioria das pessoas no que se refere à remuneração. Viva de salário.
É difícil para o consultório pagar salários mensais ao seu dono. Isso ocorre devido à variação de faturamento que os negócios apresentam. Para driblar esse problema faça retiradas trimestrais ou semestrais da conta do consultório e chame essas retiradas de pró-labore1. Passe agora a viver do seu pró-labore2.
Essa simples mudança de mentalidade, passar a viver de salário fixo em vez de ir pagando as contas conforme elas aparecem e separar a conta corrente pessoal da profissional, pode fazer toda a diferença na administração financeira de seu futuro, em especial, em época de crise.
1 – o termo pró-labore usado no texto não está tecnicamente correto do ponto de vista da Contabilidade.
2 – tome o cuidado de definir o valor de pró-labore compatível com o faturamento médio de seu consultório e tenha certeza de que irá sobrar caixa, na conta do consultório, para fazer frente aos compromissos financeiros e para construir uma boa poupança que servirá de reserva de emergência e como recurso para construir patrimônio.
Let’s TAD.
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