
Immediately following the season of giving is the season of paying, and if you’re like most people, you have probably racked up a bit of debt in your quest to make the holidays special for family and friends. So rather than finding yourself in the same boat a year from now, why not set aside the resolutions to lose weight (you know that only lasts about five minutes), clean the garage, plant a garden, and so on, and instead commit to setting a budget that will give you the money you need to pay off debt, keep up with bills, and save a little extra to hire a cleaning crew and gardeners (and still have some money left for next year’s holiday season)?

One of the biggest problems that many home-based business owners face when they’re first starting out is a lack of visibility. Supporting your new enterprise can be a real problem when you don’t have a lot of money to advertise and prospective clients have no idea who you are or what type of service you can offer (with no history to back you up, you could have a very hard time convincing potential customers to give you a chance).