Being careful, tidy, and austere are positive features when talking about business because money is carefully managed and not wasted. Not having any savings can be harmful because SMEs are not immune a future economic crisis in the, where having money is required.
The reality is that many entrepreneurs start their business with a loan, making it difficult for immediate takeoff. Therefore, it is important to be as economically fit as as possible for a the beginning period, avoiding unnecessary expenses. Well planned and projected revenues and expenditures from day zero is an exercise that should be performed. This helps in many factors such as: knowing what month had more sales and identifying extra money, which could be put away as savings.