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Better prices and payment terms can raise your profit. Prepare, be polite and look for deals that help both sides.

Too little stock loses sales, and too much ties up your money. A simple counting routine keeps both under control.

A friendly, reliable service costs little and builds a loyal customer base. Here are practical habits any small business can use.

You do not need accounting software to keep good records. A simple daily routine with a notebook tells you if your shop is truly making money.

An emergency fund protects you from borrowing in a crisis. Here is how to start small and build it steadily.

Your break-even point is the number of sales where you neither lose nor gain. Knowing it makes pricing and planning much clearer.

Loan terms can be long and confusing. Focus on these eight points and you will understand what you are agreeing to.

Two loans can both say "5% per month" and still cost different amounts. Learn how the two main methods work and how to compare offers.

Many small sellers do most of their work in chat. Set up your account clearly and answer customers in an organised way.