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Worksheet Templates. Monday , April 02nd , 2018 - 09:17:39 AM

When you have a business budget, you will know how much money you are able to spend without digging yourself into a pile of debt. Cutting back on expenses does not necessarily mean that you provide less value to your customers. Rather, you spend wisely instead of wasting dollars on supplies, salaries or fees that do not add income to your bottom line.

Contact your local government office for costs of license and permits, research what leases run in your area, shop around for equipment and supply prices, etc. You can get price quotes from professionals on services like insurance and accounting. Sometimes other local business owners who work in your field can provide helpful advice on things like what monthly utility bills run, what wages employees expect and typical advertising costs. Do not be afraid to ask questions.

When you write out your budgeted start-up and monthly costs, also include a column that will show the "actual" expenditures. This way, you know exactly where your money is going, and where you need to make adjustments.

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