How would you like for your practice to be in the top 20%?
You see it all the time with your family and friends: Too much going on and not enough money to be doing it with. However, they go out and do it anyway. And they keep going at the costs of their bank account and our economy at large. What would happen if they just took a look at where their priorities were and their finances and planned just a little? Would this make finances more liquid? Wastes less? Life easier? Yes, yes it would.
Things are no different with our practices.
If you do not budget, you may incur missed opportunity costs as I did early on in my career that could be costly. Did you know only about 20% of OD's budget for their practices? Those that do typically have the better practices you know of.
Now, I hear you saying, "OK, Ted, I get it. Budgeting helps you plan. I have been in practice for a while already and I have been making it OK so far. I would like to do much better, but where should I start?" It is simple.
1 - Start with a dream or something you are wanting to do in your practice to make it better (remodel, equipment, start your own practice, etc). Now figure out what it would cost you to do all those wonderful things you have in your vision.
2 - Next, take the P&L from your accountant and figure where the money went last year. Then, find some wiggle room. Where have you frivolously spent money when you did not need too? Were you overstocked on frames or contact lenses? Did you purchase equipment that was so cool on the exhibit hall floor but now you have no idea how to make it work in your practice? What about that "CE" in Lake Tahoe last winter you took at the last minute even though you have plenty of hours? I am not saying don't have any fun, but take those expenses that now look a little silly and cut them out of your wallet. That will be the beginning of your reserve fund. You will set a budget item for that too.
3 - Now, take a look at the "non-frivolous" expenses. Can you live with the dollars that you are putting toward those expenses? If so, great, you can sleep well tonight. If not, sharpen your pencil and start working on whittling away at the excesses. If you feel as though a particular item deserves more money, that is great, as long as you have the excess dollars (not in your reserve fund budgeting) that have been shaved away from something else from last year's spending.
And what happens if you want to make a purchase that there is no money for in your budget? You do not make that purchase. Again stay away from your reserve fund line item. That is for the rainy day that IS coming.
One last thing, many will say budgeting is boring, restricts too much and will keep you from doing what you choose to do. That will not be forever. It will only be maybe just for this month, week or year or two. As you build up your reserves, you can adjust your budget next time to make those opportunities happen. My budget changes yearly with our practice goals and priorities. That will be what keeps this stuff interesting and fun.
Good luck and good hunting.