Whether you’re opening your first ever business and are the only one in the entire company or you’re running a small business with a few dozen employees, there is one thing that you’ll need at all times: capital. The words for “silver” and “money” are the same in at least 14 different languages; and while silver is great to possess, a business of any kind needs cold, hard, cash. In fact, according to a U.S. Bank study, 82% of companies that fail do so entirely because of cash flow. Hopefully, you’re getting the hang of running your own business, are offering quality products and services, and are keeping your clients happy at all times. Unfortunately, even if you’re doing all of that, your company is still in jeopardy of being deprived of its cash.

When you own and manage your own business, your plate is pretty full with important tasks. From sending emails to talking to both potential and current clients to marketing your brand, you have a lot to do on a day-to-day basis. Fortunately, we live in a time when technology can make a lot of these tasks much easier to handle. So let’s take a look at a few ways you can use technology to manage and grow your personal business. First off, you need a great website. Having a good website can make managing your business easier because customers will be able to find what they’re looking for and people can learn more about your business without talking directly to you. Take advantage of a website creation platform for an easy way to create a well-designed site. Having a good website design is especially important with 96% of consumers saying design is the main reason they “trust” a site. From there, build your content and consider using SEO strategies to increase your chances of being shown in search engine results. With there being four billion searches on Google each and every day, it’s important to do what you can to make sure your site is seen by consumers.

On occasion, dining out is a real treat. You get to spend time with friends and family and explore new places. A waiter offers you a host of delicious food and drink options, and at the end of the night, someone else gets paid to do the dishes. Unfortunately, in our busy lives dining out can go from a rare treat to an expensive habit. Instead of enjoying a new hangout, we sometimes rely on restaurants and fast food options for their speed and convenience. A habit of eating out too often can have surprisingly negative consequences for your health, budget, and family relationships. Here are four compelling reasons to limit eating habits to mostly home cooking with occasional fun on-the-town dining splurges:

Before you submit your 2019 tax returns, read up on these major changes to the tax code! Americans fail to pay as much as $458 billion a year in taxes. Obviously neglecting to pay any kind of tax can lead to serious financial and legal trouble, but not being aware of tax changes can cause issues, as well.

Because you have to go to work, but you don’t have to be miserable. Whether you work from home or in a traditional office, your productivity levels are probably on your mind for a fair amount of each day. How productive an employee is impacts the employer’s bottom line, so it’s understandable that some people are preoccupied with efficiency. But improving output might not require as much sacrifice as you might think. In fact, it often comes down to the environment in which you work. If you’re struggling to meet your goals when working at home or you feel the office could use a better setup for the sake of employee efficiency, here are some important tips to keep in mind.