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<!DOCTYPE html> <html lang="ru"> <head> <meta charset="UTF-8" /> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <title>Руководство фрилансера по управлению потоками наличных средств - Payoneer Blog</title> <meta name="viewport" content="width=device-width"> <link rel="shortcut icon" href="https://blog.payoneer.com/wp-content/themes/payoneer_ideas_2021/favicon.ico" /> <script src="//go.payoneer.com/js/forms2/js/forms2.min.js"></script>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-5B5BQZ');</script>  <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /> <link rel="alternate" hreflang="en" href="https://blog.payoneer.com/freelancers/finance-management/freelancers-guide-cash-flow/" /> <link rel="alternate" hreflang="ru" href="https://blog.payoneer.com/ru/freelancers-ru-1/finance-management-ru/the-freelancers-guide-to-cash-flow-management/" /> <link rel="alternate" hreflang="ar" href="https://blog.payoneer.com/ar/freelancers-ar/finance-management-ar/the-freelancers-guide-to-cash-flow-management/" /> <link rel="alternate" hreflang="x-default" href="https://blog.payoneer.com/freelancers/finance-management/freelancers-guide-cash-flow/" />  <meta name="description" content="Cash flow management is crucial for any freelance business. 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href="https://blog.payoneer.com/ru/freelancers-ru-1/finance-management-ru/">Финансы и управление</a></li> </ul> <div class="b-post-header"> <h1 class="b-post-header__title">Руководство фрилансера по управлению потоками наличных средств</h1> <div class="b-post-header__main"> <div class="b-post-header__user"><a class="b-post-header__avatar" href="https://blog.payoneer.com/ru/author/richardcl/"><img data-del="avatar" alt="Richard Clayton" height='38' width='38' data-src="https://blog.payoneer.com/wp-content/uploads/2020/10/richard-clayton.jpg" class="avatar pp-user-avatar avatar-38 photo lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" /><noscript><img data-del="avatar" alt="Richard Clayton" src='https://blog.payoneer.com/wp-content/uploads/2020/10/richard-clayton.jpg' class='avatar pp-user-avatar avatar-38 photo ' height='38' width='38'/></noscript></a><a class="b-post-header__name" href="https://blog.payoneer.com/ru/author/richardcl/">Richard Clayton</a> <div class="b-post-header__date">19 September, 2018</div> </div> <div class="b-post-header__langs"> <div class="b-langs-select"> <button class="b-langs-select__btn b-header-actions__link"><img alt="Languages icon" data-src="https://blog.payoneer.com/wp-content/themes/payoneer_ideas_2021/assets/images/lang.svg" class="lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img alt="Languages icon" data-src="https://blog.payoneer.com/wp-content/themes/payoneer_ideas_2021/assets/images/lang.svg" class="lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img src="https://blog.payoneer.com/wp-content/themes/payoneer_ideas_2021/assets/images/lang.svg" alt="Languages icon"></noscript></noscript></button> <ul class="b-langs-select__list"> <li class="b-langs-select__item"><a class="b-langs-select__link" href="https://blog.payoneer.com/freelancers/finance-management/freelancers-guide-cash-flow/">English</a></li> <li class="b-langs-select__item"><a class="b-langs-select__link" href="https://blog.payoneer.com/ar/freelancers-ar/finance-management-ar/the-freelancers-guide-to-cash-flow-management/">العربية</a></li> </ul> </div> </div> </div> </div>  <div class="b-post__main"> <p>Недавно мы обсуждали важность положительного сальдо денежных потоков для фриланс-бизнеса. Однако управление потоками наличных средств может стать непростой задачей для фрилансеров, сфокусированных, в первую очередь, на предоставлении клиентам качественных товаров и услуг.</p> <p>Ниже вы найдете обзорный материал по эффективному управлению денежными потоками, включающий в себя руководство для фрилансеров, которые хотят грамотно распоряжаться своими средствами.</p> <h2><strong>Основы управления потоками наличных средств </strong></h2> <p>Поток наличных средств – это соотношение между входящими и исходящими средствами вашего бизнеса. Важно отличать его от прибыли, поскольку бухгалтерская прибыль не всегда отражает финансовую жизнеспособность вашего бизнеса. Управление денежными потоками включает в себя специализированные стратегии и техники, используемые для оптимизации входящих и минимизации исходящих потоков наличных средств.</p> <h2><strong>Стратегии эффективного управления денежными потоками </strong></h2> <p>Вот несколько эффективных приемов для управления денежными потоками вашего бизнеса.</p> <p><em>Диверсификация клиентов: </em>Кажется, что крупные клиенты – мечта любого фрилансера, ведь один такой клиент может обеспечить стабильный приток задач и денег. Однако крупные клиенты часто более непредсказуемы, а их платежные схемы более сложны и «неповоротливы». Лучше работать с широким пулом заказчиков, включающим в себя и небольшие проекты – это избавит вас от рисков, неизбежно возникающих в случае, если вы полагаетесь на единичных крупных клиентов.</p> <p><em>Четкие условия оплаты:</em> Есть несколько факторов, позитивно влияющих на приток денежных средств. К ним относятся жесткие условия оплаты, например, предоплата или оплата в течение 15 (или даже меньше) дней. Такие условия дадут вам уверенность в том, что вы получите средства сразу после предоставления услуг. Если же у клиента есть целый месяц на то, чтобы оплатить услуги, он, как правило, использует это время для оборота средств в собственном потоке наличности. Не позволяйте просроченным платежам копиться: обсуждайте с клиентами вопросы оплаты и не выполняйте дополнительных работ до получения денег.</p> <p><em>Бюджет:</em> Серьезному отношению к управлению потоками наличных средств способствует ведение бюджета. Бюджет дает вам наглядное представление об ожидаемых доходах и расходах за определенный период времени. Если вы увидите, что соотношение доходов и расходов вас не устраивает, вы сможете поработать над тем, чтобы увеличить доход или сократить издержки – и оптимизировать денежные потоки своего бизнеса.</p> <p><em>Грамотное использование кредитов: </em>Отличный способ начать оптимизацию исходящих денежных потоков – максимальное сокращение издержек. Кроме того, можно рассмотреть кредитование под низкий процент на выгодных условиях. Если процентные ставки низкие, кредитование выгодно для бизнеса, поскольку оно позволяет вам дольше удерживать наличные деньги у себя.</p> <p><em>Использование платежных сервисов для управления денежными потоками: </em>Вы не обязаны в одиночку разбираться с управлением денежными потоками. Сервисы, предоставляющие платежные услуги, такие, как Payoneer, могут помочь вам своевременно получать платежи, отслеживать показатели прибыли и издержек, общаться с клиентами и делать финансовые прогнозы. Такие системы обеспечивают быстрое получение платежей и прозрачность денежных потоков, позволяя вам сосредоточиться на привлечении новых клиентов и повышении качества своих услуг.</p> <h2><strong>Заключение</strong></h2> <p>Эффективное управление денежными потоками имеет критическое значение для <a href="http://register.payoneer.com/get-paid-by-client-and-companies-worldwide-ru/">фрилансеров</a>, желающих добиться устойчивого успеха. Следуйте базовым стратегиям, о которых мы рассказали выше, оптимизируйте управление денежными потоками и стройте жизнеспособный и процветающий бизнес!</p> </div> <div class="b-post__disclaimer"> Содержание данной статьи, включая любую информацию, касающуюся цен, сборов и других платежей, является точным и действительным только на дату публикации. Кроме того, изменения в действующих нормативных актах, политиках, рыночных условиях или других соответствующих факторах могут повлиять на точность указанных цен, сборов и других связанных с ними деталей. 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