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Dave Ramsey Says... q I own a small business, and I’m having trouble scaling up while keeping expenses down. Do you have any advice for me? AThere are two types of expenses: fixed and variable. Variable expenses rise as the volume and size of your business grows. A good example of this would be shipping. The more stuff you move, the higher your shipping bill. Fixed expenses are there regardless of your income. Rent is a fixed expense. The amount doesn’t change, and you have to pay it whether you’re making money or not. The best advice I can give you in a scenario like this is to take a deep breath, and accept the fact that you need to slow down and grow slowly and steadily. If you let expenses get out of hand you’ll be chasing them and playing catch up for the life of your business. Overhead kills businesses, Josh. It’s the death knell. qI’m thinking about starting an auto detailing business. Do you have any advice on how to start something like this, and what to consider first? AWhen you’re running your own business, you’ll find out quickly that your boss is a jerk who works you like an animal. Working for yourself is one of the toughest things you can do for a career, and you better make sure you’re doing something you love, because it’ll take years of blood, sweat and tears to be successful. If you don’t absolutely love auto detailing, and if you’re thinking about it simply because it’s plausible or you think you can make money doing it, I’d advise giving up on the idea. If that’s your stance, it’s really more of a side job than a business. Think about something you’d want to be doing every day five years from now, and have anywhere from 20 to 200 people doing it with you. You’ll always do a better job and have more fun when you’re involved with something you love. And when it comes to running the business, pay cash, have a written game plan and don’t be afraid to grow slowly. Lay out a smart business plan ahead of time, and know everything from your marketing strategies and cost of startup equipment and supplies to what your projected revenues are and the per unit charges for all your little widgets. Lay this all out like you had to prepare a report for a college class, and that’s what a business plan looks like. I’m excited for you, Justin, because you have lots of entrepreneurial spirit. You might not make $100,000 your first year, but who does? Just take your time. Be patient, be smart, and give people a quality product and professional service. If you’ll do those things, chances are you’ll be a success! ABOUT DAVE: Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com 8 onthetown onthetowntexas.com OTT Texas JanFeb Issue.indd 8 1/28/2014 1:23:12 PM
united way receives gold marcom award Montgomery County United Way’s 2013 campaign video has received a Gold MarCom award for excellence in the video/film/nonprofit category. “Be Part of the Solution” was submitted for competition by Morris Ink Advertising Agency, LLC, on behalf of United Way and SilverRock Productions. The Gold Award is presented to those judged to exceed the high standards of the industry norm. There were over 6,500 entries from multiple countries. MarCom Awards is an international creative competition that recognizes outstanding achievement by marketing and communication professionals. Entries come from corporate marketing and communication departments, advertising agencies, PR firms, design shops, production companies, and freelancers. The competition has grown to perhaps the largest of its kind in the world. Winners range in size from individual communicators to media conglomerates and Fortune 500 companies. “We are honored, of course,” said Julie Martineau, President of Montgomery County United Way. “But more importantly, we appreciate knowing that the group effort delivered a powerful and compelling message about those we are privileged to serve.” Preparation for the DVD begins early in the year, when advertising and production professionals meet with United Way staff to prioritize messages and develop the concept. Jennifer Adams-Burkett, Marketing Manager for Montgomery County United Way, said that “the collaborative process is intense because much is riding on the campaign’s effectiveness in educating potential donors while also entertaining and expressing gratitude.” One of the aspects of the MarCom award that is especially meaningful for United Way is that the sponsoring organization, the Association of Marketing and Communication Professionals, provides grants for marketing materials for homeless shelters, orphanages, day camps, community theaters, and for programs for seniors and children. i FOR MORE INFORMATION: About the Montgomery County United Way and to view the award winning video visit www.MCUW.org Big or small, we can help you... Make us a part of your business strategy and see how easy it can be! Commercial Loans Commercial Lines of Credit Credit Card Services FREE & Interest Bearing Checking Remote Deposit Capture Merchant Processing 281.856.5391(Ask for Chris) | FCCU.org The Woodlands Branch (Inside HEB) 3601 FM 1488 The Woodlands, TX 77384 FCCU invites businesses of Harris, Fort Bend or Montgomery County to grow with us. Be seen. Be heard. onthetown 9 OTT Texas JanFeb Issue.indd 9 1/28/2014 1:23:13 PM
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