This is one of the tools you should have in your Business BUILDing Toolbox. Last week I wrote about the importance of having savings, both individually and in business, and the high percentage of people who don’t. The tendency to spend everything you have is a problem when the unexpected happens. I’m not saying that after you pay the bills every dollar should be saved. What I’m talking about is having money ready for big, planned purchases or unexpected emergencies. This way you can use your own money and don’t have to pay someone else to use theirs.