Do not put your head in the sand when it comes to spending. Many business owners have come from the corporate world and were able to have a monthly expense account that someone else was looking after. This can cause over-spending and should be reviewed monthly. In many cases the spending is also justified because it is perceived as a tax write-off. I spent over 15 years in the automotive industry and there is a huge difference between a plain Jane F150 and a Lariat or Eddie Bauer. For you car enthusiasts, between a Corolla CE and a Mercedes 300!!! Make wise choices when spending, this is an integral part of a healthy Cash Flow.