Monday, July 15, 2013

Financial Concepts: Pay It Forward. Part 1


This series of posts will be on financial concepts and strategies. Forecasting equipment needs or replacement is a good financial practice. Make a list of planned purchases. Consider alternatives to paying full price. Will newer, used equipment suffice or is repair a more cost-effective option than replacement?  Conduct a cost-benefit analysis. Make a list advantages on one side of the page and disadvantages on the other side.

Examples of advantages include:                                Disadvantages may include:

Higher visibility                                                               Paying an additional salary, hence higher cost     
Faster production                                                           Cost of training for new equipment
Increased efficiency                                                       Less human interaction with customers

Compare the advantages of making one purchase over another.  Prioritize according to operational importance and cost. Place planned purchases on a five, ten and fifteen year timeline. Establish a sinking fund to pay it forward by saving in equal installments. Make sure to index for inflation. The next post will be on highest and best use of resources.

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