hen you start a home have to avoid saying or doing the
business, it's all too wrong thing, for fear of getting
easy to get carried away fired? Did it always feel like
by all your new obligations: you were one bad project away
keeping your customers happy, from the end?
earning enough money to live, and
so on. Being in such an uncertain Well, you are in almost all
financial situation is stressful, 'real' jobs, when hiring and
but many home business owners firing is at the whim of your
simply ignore this stress, manager. At least now you work
instead of dealing with it. When for yourself you can't lose your
you're worrying about money, you whole job -- only individual
tend to be worrying about clients. I know many people,
everyone else and what will especially medical professionals,
happen when you let them down. who feel far more stable working
What I'm saying is this: don't at home than they ever did in
forget yourself. their job. They know that there
will always be at least enough
The End of Stability... or the people coming to them for them to
Beginning? survive.
Many people get very upset a few Living With It.
months after they quit their job
and start their own business, You knew this was going to be
feeling like they threw away the hard on you financially when you
financial stability they had in started -- it's no excuse to give
their job, to chase a dream. up. Talk to any home business
Think of this way, though: just owner and they'll tell you how
how stable were you in your job much stress they're under. It's
to begin with? Did you constantly part of the way of life. Big
companies are designed to take really as bad as they seem when
financial strain away from you've got the numbers in front
individual employees, since of you. It's when you leave it to
everything is decided by your imagination that things
committee and it's the investors really start to seem bad.
who are going to be losing out
anyway. You don't have this The simplest way to keep records
luxury. for yourself is to use a simple
accounting program, or even just
The only advice to give here is a spreadsheet. Enter what you
that you shouldn't take any more started with, and then record
financial risk than you're everything you spend and
comfortable with -- decide in everything you earn. Remember:
advance just how much you're it's never that bad.
willing to lose before you throw
in the towel. You should agree Don't Start Taking Sick Days.
this point with your family
before you start, though, and It can be all too easy to take
don't let them pressure you into 'sick days' when the only person
giving in before you've reached you answer to is yourself -- when
it. you feel stressed, the natural
reaction is to hide away and
Keep Clear Records. ignore whatever it is that's
making you stressed. You'll only
The absolute worst and most make your financial situation
stressful thing is not to know worse if you do this, so it's
exactly what your financial important that you only stop
situation is from day to day. working when there's something
While you might think you don't actually wrong with you, not just
want to know, things are never when you feel low.
all those things you subscribe to
What's the Worst That Can Happen? monthly? Newspapers, cable TV,
and the rest could all go in an
Think of it this way: what's the emergency, right?
absolute worst case scenario, the
thing that you're most afraid of Basically, when you run a home
financially? There are very few business, you might have to make
situations that couldn't be a few short-term sacrifices to
solved by selling a few of the get yourself out of trouble. I
things that have accumulated in guarantee you, though, that you
your house over the years (you will find it very difficult
probably don't even use them), or indeed to completely crash and
by selling your car and getting a burn.
smaller one. Do you really need
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