the money you have saved up, so calm down, you will be fine. the periods when business is slow can be used to re-charge the batteries and can also be used to think up fresh ideas, of the direction you want the business to go in. for all people it is important to know how much money is likely to be coming in per month and how much money is likely to be going out. in business this is not all that easy to do, however in family life it should not be too difficult to predict. if the amount that is seemingly going out is more than what is 