It’s December and all things holiday have flooded the shops and general atmosphere! It’s a time for fun and family and we all look forward to it every year – all of us except perhaps, small business owners. I am a small business owner myself and I know that unless you sell a product or service that is holiday-related, this is the time of year when expenses increase and income goes down. Holiday season often does not feel like a holiday when you have your own business, the pressure is on to make as much money as you can in a short space of time - especially if you are just starting out.