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However, it is also advisable to step back and look at the big picture to see what is still working and what might need changing. This morning, CFPB Director Richard Cordray, Education Secretary. That’s understandable and might make good business sense in some situations. Helping student loan borrowers stay afloat. People have a tendency to attack the most obvious immediate problems with vigor and without hesitation.

When times are hard, businesses may need to shift their focus from profits to survival.

Small business owners must make sure they audit the most important employee as well, that employee being themselves.

Some useful advice that applies across small businesses includes looking at the big picture, inventorying the staff, making sure the business has ready access to cash, sweating the small stuff, and avoiding a sacrifice of quality.

Because every small business is different, and each carries its own risks and rewards, there is no set playbook to follow for survival. A life jacket helps keep a person afloat in water.

Finally, add transactions to each account.

Then, create accounts within each portfolio. Keeping a small business afloat in challenging times can be difficult, but extra attention to detail can help ensure that a business survives. Using Keep Afloat takes three simple steps: First, create portfolios to logically group your money and all of your investments and financial obligations.