When I was thinking about opening a small business, a friend gave me some great advice. He asked me had I thought of setting up before and after budgets before I opened my business. That really impressed me. I was so impressed that I decided to open my business a year later. Many people do not have these two budgets in effect prior to opening their businesses. That is one reason why 80% of small businesses fail within the first 2-5 years. If you want to know how to put together these two types of budgets, get your copy of Powerful Ideas to Having a Successful Small Business by clicking on www.tiredofbillcollectors.com.