My number-one tip for the new year is to start and maintain an emergency fund and category funds. Your bank probably has savings accounts that will connect with your checking so that you can easily move funds around online. You can give these savings accounts names and even change them at will (emergency; new car; new laptop; conferences; whatever). Then pledge a percentage of every single dollar that comes in to be fed into those savings accounts. It’s a powerful feeling to watch them fill up. Having a good-sized emergency fund not only helps your business, it keeps you from having sleepless nights and general anxiety. Been there…done that, got the hives! The account marked emergency goes up and down depending on your needs, but the others are goals, and it’s fulfilling to see them fill up online.