Monthly Archives: October 2020

How to Budget When Your Contracting Business Income Isn’t Consistent

The main point of starting your own business is to finance your life while doing good work and being your own boss. Of course, you may have to wait until the money starts rolling in on a consistent basis. In fact, it may be a few years before you can predict how much money you will earn in any given month. Although this is common for any small business, it does make it harder to know how to pay your bills. Here are a few tips.

Figure Out Expenses
When you work for yourself, you have to figure out what to pay yourself. In essence, you have to build your salary from the ground up. One of the easiest ways to do that is to figure out your expenses. Make a list of all your personal expenses for:

  • Housing
  • Food
  • Utilities and other services
  • Transportation
  • Insurance
  • Healthcare
  • Incidentals, like clothing or home maintenance

This should give you a fairly good idea of what you need to be earning on a monthly basis. It may be less or much higher than what you think you can pay yourself. But at least it gives you some specific numbers to work with.

Set Minimum Income Limits
With a list of your expenses, you can start to build what you think your income could look like. In most households in California, people need at least two incomes. After all, we’re not known for having inexpensive housing or a short commute. So there’s a high degree of probability that your expenses may exceed your income, especially at first. But like many other independent workers and sole proprietors, you need to set minimums for your income. If your income is extremely variable, to a level of thousands of dollars’ difference from one month to the next, you may want to set a minimum and a target income based on the interval in which you want to get paid.

Create A Regular Payment Schedule
Once you have a sense of how much you think you can reasonably pay yourself, you should aim to set a regular payment schedule. Choose an interval that works best for your expenses. Many people choose to pay themselves once or twice a month, but you may prefer to do it weekly as well. If you are outsourcing payroll services or using ACH for direct deposit, you’ll need to make sure to start the payment process early enough. Whatever you do, make sure that you are still taking care of the non-payroll expenses for the business, so you can keep it running.

Set Aside Excess for Slow Periods
Many people who have run businesses before will tell you that until you get established, you’ll encounter periods of feast and famine. What this means is that you will have months or even a year where you have more work than you can handle. But if you don’t take care in your decisions with the money, you’ll find yourself stuck when work becomes slow. It’s a tricky balance. You have to pay yourself or you won’t be able to keep the business running. But if you take out too much when times are high, you won’t have enough to keep going when times are low. When you first have excess funds, work on building a cushion to get you through the next light month.

Forecast Changes Over Time
As you get established, you’ll notice that your income needs and expectations will change over time. For example, if you decide to offer a greater variety of services to build a more reliable clientele, you may end up with a higher income. Although you should focus on preserving cash flow and making sure you have some savings to protect you, this doesn’t mean that you have to work at the same income for the whole of your career. Examine your business spending and your income every few months or twice a year. If you feel comfortable, you may be able to adjust your payments upward.

Building a business means getting used to unpredictable income streams, especially at first. These tips make it easier. To find out more benefits of running your own contracting business, contact CSLS today!

 

Paying Attention to Mental Health Can Help Your Contracting Business

Decades ago, being unhappy with your workplace was simply part of the experience. These days, experts know that the way you approach mental health for yourself and your employees can be the key to long-term business success. Here are a few factors you should consider, as a way to promote a healthy work environment that is as positive as it is productive.

Reasonable Workload
Construction is not typically known for being an industry with a reasonable workload. People tend to work long hours, especially at times of the year when business is high. Although this may seem like a dream for productivity, it can trigger problems over time. People who aren’t dealing with mental health struggles can still experience burnout. And the worse it gets, the more likely it is that people will rely on unhealthy coping mechanisms. An excessive or unpredictable workload might also trigger mental illness that is poorly managed or sitting just beneath the surface. Controlling the workload to a reasonable level, and giving people the comfort of a schedule they can expect, can make them feel more stable at a tough time.

Flexibility
Employers need to offer consistency to their employees, but also flexibility when it is needed. Research indicates that when employees feel like they have the power to control the conditions of their workday, they tend to be happier and even work harder. Sometimes, this means allowing someone to take a couple of days off when they are dealing with a complicated family issue. At other times, it means tailoring an employee schedule to fit their natural preferences. If you think about it, it’s easy to understand. Most night owls don’t enjoy getting up for work at 5 a.m. And someone who gets up at 5 a.m. probably doesn’t want to still be working at 9 p.m.

Positive Feedback
Mental illness isn’t necessarily created by a person’s environment. However, the way that you create an environment for your employees can certainly affect how they manage their mental health. Positive feedback can make a big difference, but this depends on your management style. Some business owners like to minimize the amount of time they’re telling their employees what to do. But sometimes, that means you’re not telling someone anything unless you have a complaint. In other cases, bosses spend a lot of time giving feedback to employees, but they don’t pay attention to how much of it is positive. Making sure that you give good feedback and keep criticism constructive can make it easier for workers not to get stuck on it.

Building Support Systems
Helping yourself and your employees means that you need to build a support system that people feel comfortable using. Mental illness still carries a hefty stigma, even if many mental health advocates have been trying to minimize it. People often assume that they cannot get help for even common mental health concerns like anxiety or depression.

In construction, it’s important to understand how big of an issue it can be. Experts estimate that as many as one in five construction workers struggles with mental illness. In fact, construction workers are much more likely to die by suicide than they are from a fall, which is the most common source of physical injury in the industry. Experts suggest reaching out to employees on a regular basis, and considering programs like employee assistance. Larger firms are starting to offer these benefits as a way to attract and retain long-term employees.

Employee-Focused Improvements
Ultimately, it’s not enough to make changes based on what you think your employees need. You must consult them to get their input. This is tricky because sometimes people have suggestions that aren’t realistic to carry out. Think about how you would handle a problem that you want to solve personally. You take your own perspective into consideration and make a choice that is best for the company. Now, apply that to any employees who might have input to share. Get their opinions and then see what you can put into action.

Caring for your mental health and that of your employees is a great way to ensure your contracting business survives. To find out more, visit CSLS today!

COVID-19 Delays Your Contracting Business Should Expect

 

 

 

 

 

It feels like parts of the world keep spinning, while others are set off their axis. You may have projects to complete, while your suppliers are considered non-essential. This can cause backlogs in your work, as you try to find ways to keep meeting client expectations as you can. Here are a few delays you can expect related to COVID-19, now and for several months into the future.

Inspections
Many construction projects require inspections at various points in the process. Since it will be more difficult to locate qualified people able to do the inspections, you should plan for significant delays in the inspection process. Right now, you are more likely to notice a slowdown because fewer people are working and more people are trying to minimize their contact with others. Overtime, as more industries open up for business again, the construction industry may face a glut of projects that need to move ahead as quickly as possible. This means that it may take you longer to get permits as well.

Labor

Finding labor has been tricky for several years, due to construction’s labor shortage. But finding qualified workers is going to be even more difficult right now. This is particularly true in fields where you were already having to pay more and search longer to find a qualified person ready to take on the project. Moving forward, you may need to prepare to offer higher rates as you can and start your search for work on specific projects further in advance. This can help you to avoid significant delays while you try to secure a subcontractor.

Materials
Since much of the world is currently dealing with COVID-19 or its aftermath, you can expect a number of delays tied to materials. If you typically outsource a lot of goods for construction from places like China, you may have already noticed a significant slowdown in the rate that you can receive them. It’s also worth keeping in mind that shipping is also taking longer on almost all deliveries that are less than a truckload. To mitigate this issue, you may want to source materials that are closer to your location, so that shipping times are less of an issue for you. Investigating your options to pick something up can also save time.

Tool and Equipment Rentals
Finding the tools and the equipment you need may be more difficult whether you are trying to buy or rent. Most retailers, even those deemed essential, are limiting their hours and restricting how customers can make purchases to reduce contact. Be prepared to order online and wait for shipping if needed. Once construction moves back to regular speed, you might have a harder time getting equipment rentals as everyone tries to catch up on delayed projects. If you can’t buy the equipment that you need, you should see if there is a way that you can book reservations earlier than you usually would.

Tips to Smooth the Process
Although running over time on your project is pretty common in construction, COVID-19 is making those typical delays much longer. The last thing that you want to do is lose money or reliable clients because you failed to estimate how long you need. You can minimize your chance of problems if you:

  • Revise estimates on time and pricing based on the most current data
  • Add extra time for each step of the project
  • Reconsider projects with equipment or materials that are difficult to source
  • Look for other ways to trim time off projects without cutting quality

Regular communication with your clients will help assure them that you are continually working in their best interest.

COVID-19 is changing the world as we know it, with significant effects for your construction workflow. Finding ways to predict problems so you can solve them in advance is how your contracting business survives. For more information about preparing for your contractor licensing exam, contact CSLS today!

5 Ways to Build Flexibility into Your Contracting Business Income During a Crisis

When you’re trying to establish or run a business in the middle of a crisis, you’ll hear a lot about protecting cash flow. In truth, cash flow is important, but flexibility is too. You want the ability to make decisions just in time, so you have the benefit of as many facts as possible. Here are five things to do to protect your business’s income during a crisis.

Stay Put
If you’re living or working in an area where the cost of living is high, it might seem to make sense to move somewhere that is cheaper. After all, housing and workspace rentals can be some of the highest single expenses for independent contractors. However, by moving, you’re cutting off at least part of your income and adding a ton of immediate expenses to the list. Moving to a smaller or cheaper area also limits the number of clients to replace your income. If it is possible for you to remain where you are and stay current on your bills, that’s probably the easiest way to keep more of your liquid assets.

Avoid Diving Into Expensive Markets and Luxury Services
If you were planning to move to an area that’s more expensive or start offering high-end services, it might be a good time to rethink these measures. While a lot of people will move from a lower cost-of-living area to a higher one because there are more jobs there, this doesn’t always mean you’ll be able to land them. During a crisis, when there are many more contractors seeking work than clients creating projects, it’s best to stick with the essentials. And in most cases, that involves sticking with the area you know and the work you can do with the least amount of complication.

Consider Multiple Viable Income Streams
When the immediate future feels highly variable, it is hard to tell how work is going to pan out in three months, six months or a year. If you’re only offering one service and it’s not in demand, or you suddenly have tons of other contractors to compete with for a limited set of jobs, it might be time to branch out. An economic downturn isn’t a good situation to leap into a market in which you have limited experience or ability. However, if you have services that you know how to do and you’ve already got the skills and credibility, it may not be difficult to add them to your business. Keep an eye on overhead and the supply chain, as those might have changed since you did these services before.

Keep Funds in Multiple Places
As a contractor, most of your assets are probably related to equipment and inventory. When you’re worried about future income and cash flow, you want to keep an eye on where you’re putting your money right now. Sure, you need to upgrade equipment so you can keep working on projects. Switching to rentals, minimizing your stock of inventory, or repairing equipment that you already own outright can help to keep your assets as liquid as possible.

Implement Practices to Maintain a Steady Income
Crises that trigger large-scale economic problems often bring out the scavengers, and you don’t want to get caught in a bad arrangement. It’s tempting to relax your payment intervals in the hopes that you’ll land more clients that way. And while giving clients all the time they need to make a payment is more likely to appeal to clients, you’re not always securing the right kinds of clients. Someone who is trying to take advantage of your worry to get a lax payment standard is probably going to make you fight for every dime. Following your original billing practices is the best way to ensure that the money keeps coming in.

Ensuring flexibility for your business doesn’t mean that you have to be flexible in your business decisions. In fact, it might mean that you’re less flexible than you were before, so that you protect your ability to make quick decisions later on. For more information on building a successful contracting business, contact CSLS today!

How to Get the Most from Your Contracting Business Workspace

If you’re like a lot of contractors right now, you’re trying to figure out ways to make the best of a workspace that’s not the jobsite. But even when you have more freedom to move around, you still need to think about using space efficiently. Here are a few ways you can evaluate your workspace and make it more productive.

Create Stations
An inefficient workspace is going to cost you hours in wasted time per week. To cut down on time spent moving from one side of the workspace to the other, create a set of stations for each task. You may not have a large warehouse where every project has its own spot. Still, taking the opportunity to organize your equipment based on the task makes it easier to get started, do the work and finish up for the day. Don’t forget to include a station for handling mail, invoicing and a place to keep your laptop and printer.

Plan Layout by Project
Having a set series of stations makes sense if you do very similar types of projects over and over again. If the services you offer are quite varied, you may need to take a flexible approach to structuring your workspace. In this case, you might want to plan the layout of the work area based on the needs of the particular project. Draw out a rough layout for each so you can repeat it later. If you are running more than one at the same time, you may have to split it in half or thirds. You’ll want to use organizational tools that are easy to move around, so that you can adjust it on the fly to create more space or design a different set of workstations.

Consider Adjustable Carts
In the middle of a crisis when most people are trying to maximize their home workspaces, you may not have a lot of room to move. If you are trying to do modular construction in a small workspace or garage, you may not have the ability to move from one station to another. In this instance, you want to make the stations come to you. Portable carts come in a variety of sizes, with the ability to customize them to hold tools and materials. Leaving room on one wall for a number of carts allows you to quickly pull one in for use, and then put it back when you’re ready to grab another one.

Organize Inventory Based on Use
If you’re like a lot of people, you organize inventory and equipment based on the way you think you should, not necessarily the way that you actually use it. For example, it may seem to make sense to keep all of your supplies in one place. But if you find yourself having to walk away from the workspace constantly to grab your supplies, you’ll waste time with this organizational setup. Instead, think about organizing your inventory and supplies based on the project. It may increase the time that you spend counting what you have left, but you’ll more than make up for it by having everything you need right where you need it.

Reduce Excess Clutter
In a small workspace, there is simply no replacement for a regular clutter management strategy. If you’re the type of person who prefers to clean up after you’re done with the project, this can lead to a lot of debris and waste in the corners. Over time, this can minimize the size of your workspace and increase the likelihood of injury. The best solution is to find organizational tools for papers that you need, and adequately-sized waste receptacles for packaging and buy products that you want to recycle or throw away. Keeping excess away from your workspace also minimizes visual clutter, which can make it easier for you to get work done.

Working from home or in another small space requires you to maximize efficiency so you can keep completing projects. These tips smooth out the rough edges. To get started building a great career in construction, contact CSLS today!

What Does Construction’s Labor Shortage Mean for You?

Construction has had a labor shortage since 2012. But this year, it’s only got worse. While this may seem like an absolute win for someone new to the field, it’s more complicated than that. It’s true that entering a field while it needs skilled workers can make it easier to find work, but you’ve got to balance that with the project delays and struggle to find other workers. Here’s how a labor shortage can affect your future business plans, and why it’s still a good idea to get started now.

How Is Construction’s Labor Shortage?
If you aren’t living it, it may be difficult to understand the dynamic of the construction labor shortage. The pandemic of 2020 has led to millions more people who are unemployed. You might think that this could address the shortage within a month. However, the major issue with the construction labor shortage is a lack of skilled workers, not just labor in general. This means that even if a government program could flood the industry with millions of new workers, they may not be qualified to do the work required. The solution takes years to implement, especially for people who are just starting in the industry.

What Does the Shortage Mean for Contracting Businesses?
Construction may have slowed down a little in the early months of 2020. But now, it is back with bigger demands. The housing shortage in California in recent years has yet to be resolved, leaving millions more in need of affordable housing options. Wildfire damage spawns recovery efforts. This creates a glut of possible construction projects in a variety of fields within the industry. It also creates problems for contracting businesses, especially those that struggle to find qualified employees or subcontractors to perform certain kinds of tasks. After all, if you can’t find the workers, you may not be able to complete the job.

What Does It Mean for Employees?
Ultimately, the shortage may mean that there are excellent opportunities for employees or people who are interested in building a business in construction over the next few years. When business owners can secure projects, but they struggle to find people who will do the work, the ones who can will be in higher demand. This translates into higher wages and better benefits, on top of more power for employees to bargain. Of course, that assumes that each project will have enough people available to complete it. This is why a majority of contractors are currently reporting delays and even canceled projects, on occasion.

How Could the Shortage Change Over Time?
Although the labor shortage has waxed and waned, it has remained a noticeable problem for almost a decade. This year has forced many businesses, large and small, to invest in ways to tackle it for good. The most practical solutions involve:

Resolving the extensive backlog of construction projects

Helping interested workers gain the skills and experience they need for the jobs most in demand

Balancing the needs of the population with the dynamic of the economy, as far as possible

At present, many organizations are investing in construction education. The goal is to increase the number of people in construction, while also ensuring that they have the skills needed to fill the gap. Within 10 to 15 years, the shortage may be gone or mostly managed.

Is Now a Good Time to Start in Construction?
Experts have been talking about construction’s labor shortage for years. And since many people are old enough to remember the housing crisis of 2008, it’s easy to conclude that it might be too late to start now. In fact, now is one of the best times to invest in construction. Building a portfolio of education and experience to take a position that’s high in demand requires years. But the sooner you start, the sooner you can take advantage of that demand.

Construction’s labor shortage gives employees lots of opportunities, and businesses the responsibility to meet them. To find out where a construction career could take you, visit CSLS today!

How Does the Payroll Tax Deferral Program Affect Your Contracting Business?

Payroll taxes are one thing that you’ll need to pay as part of your contracting business. As of September 1st, the federal government gave businesses the option to decline withholding these taxes from employee paychecks, as long as they meet certain requirements. There are benefits to this program, but also possible drawbacks. Here’s what you need to know.

What Are Payroll Taxes?
Payroll taxes are a percentage of an employees’ wages that must be withheld. These taxes come on top of withholding for federal or state income taxes. The payroll tax, which runs 6.2% of most employees’ wages, helps to pay for programs like Social Security. Employers are required by law to withhold it from their employees’ wages. People who are self-employed must pay these taxes either as part of their quarterly estimated taxes, or at the end of the year.

What Is the Payroll Tax Deferral Program?
The payroll tax deferral program issued by President Trump’s executive order in August defers payment of these taxes from September 1 through December 31, 2020. The program functions entirely on a voluntary basis. This means that employers must opt in by holding off on withholding these taxes from employees’ paychecks. It’s worth noting that this program is unique from other payroll tax holidays that have been enacted in the past. Unlike those times, this program is a deferral. In other words, any employer that chooses to participate in this program will need to withhold more taxes from employees’ wages to make up for it by April 30, 2021.

How Can the Program Affect Businesses?
Since the execution of the payroll tax deferral program comes primarily through executive order, some businesses aren’t clear on how they should use it. Employers aren’t required to take advantage of the program, but they also aren’t required to get employees’ support in order to implement it. Many businesses have chosen to participate in the program, in the hopes of ensuring a slightly higher wage for employees during difficult times. Other businesses have decided that the complication of determining eligibility, which may fluctuate for employees with variable income, makes the program too difficult to be worthwhile.

How Can the Tax Deferral Affect Individuals?
For those who qualify for the payroll tax deferral, a 6% temporary increase in paychecks could be a significant benefit. The program is limited to individuals making less than $4,000 every two weeks. This covers the vast majority of workers across the country. Employees should consider how paying it back may affect their paychecks in the first part of 2021. The federal government has made businesses that opt into the program responsible for withholding the additional taxes to cover for the deferral. This may mean that they have to enact new policies for employees who quit, to ensure that those taxes are repaid.

Could the Tax Deferral Program Change?
Given that the program came about through executive order, it’s possible that there may be additional legislation to support it, extend it or make it a true tax holiday. People who don’t pay much attention to the changes in tax laws may not know how common it is for a policy to be extended or changed right before it expires. If the government chooses to, the tax deferral could become a holiday that doesn’t need to be paid back. However, employees should pay attention to the news, and be wary of assuming anything will happen until it’s written into the law.

Figuring out taxes is something that you’ll do as an individual and a business owner. With the latest information, you’ll make wiser choices. For expert exam preparation on your way to becoming a licensed contractor, contact CSLS today!

How to Say No to Prospective Clients for Your Contracting Business

Although landing a client and a new project is a great thing, sometimes it just isn’t going to work. There will be points where you’re too busy to take on the job within the time specified. There will also be clients proposing opportunities that just aren’t the right fit for your contracting business. Learning how to decline these projects is a skill, and it can be difficult to do at first. Here are a few ideas.

Decide If It’s No, or Just Not Right Now
The first thing you should do is qualify the nature of your answer. In some cases, a project simply won’t work for your contracting business. These opportunities could cost you money if you try to make them fit, so it is easier to simply decline. In other cases, the projects may be appropriate under different terms. It’s important to confirm that you know where you’re going with your answer before you give it. That way, if you want to leave the door open to negotiation, you can save the opportunity for a later date. There’s no guarantee that you will be able to secure different terms with the same client, but it may be worth asking.

Decline at a Good Time
As with other types of business communications, there are better times to make tough decisions, and there are worse times. The last thing that you want to do is decline an offer when you are feeling tired, overworked or frustrated. Saying no during a bad moment may make you come off more negatively than you expected. If it’s an existing client or colleague that you’d like to continue working with, you should hold off until you have an opportunity to think clearly and communicate professionally. It’s not necessary to wait days for the chance to decline a project. However, making sure that you’re in the right headspace will help you protect those professional ties.

Be Clear About Why You’re Declining
When you know that you’re going to say no, the best thing that you can do is make it clear and simple to understand. If you are rejecting the offer because you don’t want to work with the client, it’s more practical to say that your business isn’t a good fit for their needs. This sends a clear message to the client that you are unlikely to accept future work from them. On the other hand, if you’re declining because the rate is too low or the timing doesn’t work for you, you can outline these in your rejection. This can give the client the opportunity to change their offer, in the hopes that they can secure your services.

Aim for a Professional Tone
Part of running a contracting business involves learning how to maintain professional communication, even when the news you have to share isn’t good. Clients may take your rejection with grace, or they may react to it with anger. In some cases, their reaction will confirm for you that it was a wise decision not to accept the work. And yet, it’s better not to descend to their level, especially if they start showing obvious signs of frustration. Such behavior rarely leads to good things for your business. Avoid saying anything you wouldn’t want one of your mentors to read aloud to you.

Know When to Continue Negotiation
Although some clients may get irritated when you tell them that you can’t take on the project, others will react by trying to negotiate. Negotiation is another skill that can help support your business, but you need to know the right time to engage in it. If you’ve decided that you are not going to take on the project no matter what the client offers, there’s little point in negotiation. All it would do in that case is waste your time. But if the project is appropriate and interesting to you, negotiating might be the key to getting the terms to a level that you would accept.

When you run a contracting business, learning how to say no is just as important as saying yes. To get started building your construction career, contact CSLS today!

Are You Investing Enough Time into Professional Development?

Do you blink your eyes and the day is done? Do you often go weeks or even months without taking a day or two to see what’s new? This is a common problem for anyone who runs a small business. It is so easy to get wrapped up in daily tasks that you forget about professional development. However, investing this effort is the best way to avoid becoming obsolete and have a better guarantee of knowing what’s on the horizon. Here’s what you should be doing, and how to know if you’re putting in enough time.

Join Professional Organizations
Starting and running a business is a highly independent endeavor, but it helps to have assistance from professional organizations related to your field. Joining organizations may carry monthly or annual dues, so you’ll want to be selective. But if you pick one or two and participate, you may find a lot of opportunities you might not otherwise have had. For example, the Associated General Contractors of America (AGC) features chapters all across the United States, with two in California. They offer training and networking opportunities, as well as discounts with partner businesses.

Attend Construction Conferences
Taking a few days off from projects to travel and attend a construction conference may seem like a lot of work. Really, it’s an investment in your business. When you sign up for a construction conference, you get access to the latest tools and tips from industry experts. You might be hesitant to adopt new technology immediately, but that doesn’t mean you can’t try it out. This is one of the best chances you’ll get to have a few days focused on what is new and interesting in your field. You may return with a lot of good ideas to implement and a few new contacts in your area.

Take Education/Training Classes
By the time you have invested the time it takes to qualify for a contractor license, you might think that you already know everything you need to do. Of course, then you blink and realize that all the technology has changed and there are a bunch of new building practices you’ve never heard of, much less used. Taking periodic training classes helps you keep your skills fresh and build on top of your experience over time. It can even help you prepare to add another specialty to your license, which could expand the services you can offer. Sending your employees to training when appropriate can also help ensure that they provide better work for you.

Maintain/Expand Your Licensing
Part of professional development involves keeping your licenses active. Contractor licenses in California need to be renewed every two years to remain active. Without an active license, you can still renew but it’s a more complicated process. You’ll get a notice that your license is about to expire 60 days before it runs out. If this feels like a ton of time, you should know that it isn’t. Take this opportunity to think about what you want to be doing with your business, and how you can best get it. This is a good time to think about adding classifications or changing them, if you’re working your way into a field that feels better for you.

Make Time for Professional Development
With all these tasks on your plate, it might seem like you have hardly any time for paid projects. In fact, you can find a balance that keeps you progressing without compromising on the work that pays the bills. Set aside a day or two each month toward meeting these obligations. When you can anticipate the winter slow season approaching, plan for longer training sessions or attending conferences. This helps you get a bigger bang for your buck and make sure that even periods without as much paid work are productive toward your bottom line.

Professional development is easy to forget, but it keeps your business running into the future. To build a foundation of a business that you can operate successfully for years, contact CSLS today!