The year isn't quite over, but I am ready to say goodbye to it. I find myself looking back and thinking about how different my business was this year, mostly because of the devastation in the form of foreclosures all around me. I made more money than I thought I would and I spent less. My mindset at the beginning of the year was to prepare for the worst. I went through my monthly business expenses and cut them. I canceled a few services, and in areas where I felt I was spending too much I figured out how to spend less without starving my business. Then I went through monthly household bills and managed to save a few hundred dollars each month just by bundling some services, changing providers and in one case changing the frequency of service. My strategy for this entire year h...
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