Let's say it's middle of June and depending upon area of country you are in, kids are now out of school. You still have a business to run, and now added chore of watching and keeping children entertained. If you are really lucky, you take these months off. Yeah, right - dream on is response from our many readers.

Time. You only have so much time in a day to earn money. Learn to put a dollar value on that time. Don't let anyone squander your valuable time. We all meet people who love to talk, we're guilty of this ourselves upon occasion. However, our time, and yours also, is valuable, after a polite or not so polite period, inquire as to how this person is going to compensate you for your time. If they don't want to or can't, cut conversation off. We know this sounds harsh, but this person is taking money out of your pocket. That said, we don't mean you shouldn't donate your time to worthwhile charities or causes, we do. Just be careful where you spend your time resource.

Knowledge. If you're like us, you've spent money and effort to acquire knowledge you're using in business. Don't give it away. Our knowledge has a specific dollar value. Like us, you'll meet people who will want to pick your brains for free. Don't let them.