A case study of how to open a cafe for 850000 yuan

Miss Zheng wants to open a coffee shop. With a capital of 850000 yuan, how can she make good use of this property to control investment risks and open a 40-50-square-meter coffee shop?

Miss Zheng's chat window popped up with a signature saying, "Miss Zheng wants to open a coffee shop." the profile picture shows a silhouette of a fine cup of coffee sitting outside an open-air cafe in the afterglow of sunset.

Cafes always seem to have something to do with romanticism, and the life of a girl who wants to open a cafe is destined to be very romantic. Miss Zheng can't remember the moment when she came up with the idea of opening her own cafe, but it doesn't matter. The important thing is that she is planning her dream.

Dream Coffee Shop

Because of her work, Miss Zheng often travels on business. When she is relatively free on a business trip, she will spend her leisure time in a strange cafe in a city and gradually fall in love with the idle atmosphere of the cafe. "if the sun warms the body, then a cup of coffee in the afternoon just warms the heart." Miss Zheng did not forget to match a warm smiling face when she made this remark.

Imperceptibly, Miss Zheng came up with the idea of opening a cafe. As for her own cafe, she described it like this: "I want to open a small shop of 40 to 50 square meters, with five or six tables, several sofas, a parasol outside and two open-air tables." I can go to my own store at any time, sipping coffee and basking in the sun, full of a sense of achievement. "

It costs a lot to open a shop.

Miss Zheng, who had a plan, also made a budget for the cafe, in which rent accounted for a large proportion. Miss Zheng has visited some popular business districts, and the rent is often more than one million yuan a year, far more than she can afford. She is just looking for a shop along the street with a moderate passenger flow and an annual rent of about 200000 yuan. After all, opening a coffee shop is a dream. She only hopes that the coffee shop can make ends meet. If there is a slight surplus, it is the icing on the cake. Earlier, a female friend around her also wanted to open a cafe, but after considering it, she found that it was easier to open a shop than to make a profit, and her dream was a complete "luxury".

Secondly, decoration and store design is also a lot of investment. Miss Zheng's life is petty bourgeois and romantic, and she naturally has ideas about the style of her coffee shop. A good friend of hers who works as a professional interior designer can help. She laughs that she has saved a sum of design fee. Even so, the construction still requires a professional construction team to complete, at the same time, and then on the lamps, floors, paint and other costs, it is estimated that the cost of hard decoration is between 150000 and 200000 yuan.

Then there is the cost of purchasing furniture and equipment. Ordinary furniture, such as sofas, seats, tables, bars, etc.; Miss Zheng only wants to operate coffee + desserts, so the bar needs cooking, storage, washing, processing and other equipment, of which a single coffee machine costs at least 20, 000 yuan. Bean grinders, ice machines, smoothie machines and juicers all range from a few thousand yuan, coupled with air conditioning, audio and other equipment, the expenditure is about 200000 yuan.

Finally, there is also a need for stock preparation, opening and cash flow expenses, which mainly include industrial and commercial tax fees, the purchase of coffee beans, the payment of water, electricity and coal bills, employees' wages and the reservation of working capital.

To sum up, Miss Zheng's total investment is about 750000 yuan, including the cost of hiring 1-2 employees.

How to coordinate your life and realize your dream

Miss Zheng is in her 30s and currently earns 20,000 yuan a month without any family burden. She is very glad that she did not follow the lead to buy a house, so that she has 850000 yuan in the bank deposit. Miss Zheng believes that although the plan is good, there will inevitably be deviations in the actual operation. 750000 yuan is more than enough to open a cafe you want, but who can guarantee that it will be profitable within a year? If you lose money or can not continue to operate, Miss Zheng's savings will suffer heavy losses, and even affect her quality of life.

Miss Zheng, who has a deposit of 850000 yuan, how to make good use of this capital to control investment risks and open a 40-50-square-meter coffee shop?

Delay the plan, just to be one step closer to the dream.

Xing Li, a national financial planner in the financial studio of this article.

I remember a female writer once said that deep in the heart of every girl, there is a dream elf who wants to open a small shop of her own. But there are few girls who dare to make their dreams come true, and even fewer can make a profit all the year round while finally realizing their dream of opening a store.

It is difficult to open a coffee shop successfully.

To investigate the reason, the most important point is that the original intention of many girls to invest a lot of money to open a shop is not optimistic about the money scene of a certain business form, nor is they very familiar with the business operation mode of this business, and have a greater assurance of success. but just to realize a shop dream in your heart. So the most common girls' dreams of opening a shop, such as jewelry stores, clothing stores, milk tea shops, bars, petty-bourgeois restaurants and the cafe Miss Zheng wants to open, are linked to personality, sentiment, cozy, aesthetic and other images. But this beautiful dream will fail miserably in the real business operation.

Especially the cafes used to kill time, the Chinese people are not a nation who likes coffee, and the target audience is very narrow. there are very professional requirements for coffee shop location, decoration style, coffee bean selection, coffee roasting technology, selection and production of other beverages and meals, shop positioning, staff management, etc., any link error may lead to business failure. If Miss Zheng holds that opening a coffee shop is a dream, making ends meet, and investing with a slightly better surplus, there is a great chance of failure.

The return on financial investment is more obvious.

Therefore, it is suggested that Miss Zheng consider this plan carefully. In particular, the initial investment cost in the first year is as high as 750000 yuan, while Miss Zheng's deposit is only 900000 yuan. once the furniture and equipment such as rent, decoration and sofa are paid, it will be a sunk cost. if the shop closes down a year later because of poor management, it is equivalent to 750000 yuan. Even if she barely makes ends meet in the first year, Miss Zheng will continue to invest in rigid costs such as rent, raw materials, water and electricity, and employees in the second year, which will put great pressure on Miss Zheng's cash flow. If there is an emergency such as illness, the work income will drop sharply. The coffee shop is also unable to maintain. It may also be due to the excessive operating pressure of the coffee shop, affecting Miss Zheng's normal work and life, and the loss outweighs the gain.

More importantly, Miss Zheng is in her 30s and is in the stage of transition from career ascent to maturity. During this period, she should accumulate as much wealth as possible so as to lay a solid financial foundation for future pension needs. Coupled with the fact that Miss Zheng is still unmarried and childless, she may encounter major life events such as getting married, buying a house and having children in the near future. It is obvious that this deposit cannot be lost, and these rigid financial needs cannot be pinned entirely on the future husband, can it?

From a financial point of view, Miss Zheng's savings would be better to invest in coffee shops than to make some financial investments. In view of Miss Zheng's income level and family burden, it is entirely possible to make some relatively aggressive investment portfolios. First of all, the current savings of 50,000 yuan will be bought into the money fund, which can greatly increase the income on the premise of ensuring liquidity. 850000 yuan of time deposits can be divided into three parts: 350000 yuan to invest in stock funds, 300000 yuan to invest in traditional bond funds, and 200000 yuan to invest in other varieties.

To fulfill your dream, you still need to keep your feet on the ground.

If Miss Zheng insists on opening a coffee shop, she should be deeply aware that this is first of all a major investment decision, and must have a comprehensive understanding and analysis of the market situation, industry characteristics, professional requirements, and operational risks before investment. invest on the premise of great success, and the second is to realize the dream.

Specifically, there are three suggestions. First, you can consider becoming a franchise store of a well-known coffee chain brand, which can save a lot of preliminary work and trouble, and the initial investment is not so high. Moreover, the chain franchise brand has a more mature store exhibition model, and the probability of success is greater. The disadvantage is that the chain franchise industry is mixed, so Miss Zheng needs to be very careful when selecting franchisees. In addition, the standardized store decoration of the franchisee may not be the feeling that Miss Zheng wants. Second, the coffee shop can be opened near the university, so that it can have enough target passenger flow without too high rent. Miss Zheng's location strategy of picking downtown streets like Starbucks obviously cannot afford it. Third, in order to reduce the risk, the initial investment can be appropriately reduced, or set up a shop in partnership with like-minded sisters to appropriately disperse the risk of business failure. Consult more professionals for more questions.

Another way is to postpone the dream of opening a store and postpone the plan for a few years until you accumulate more wealth or decide on the direction of life (mainly in terms of marriage and childbearing).

Every dream is beautiful and worth pursuing. But if you want to turn an illusory dream into a down-to-earth ideal, you need more solid financial support, so you can go one step further from the dream.

Source: financial Weekly author: Liu Xin