The end of the year tends to bring on feelings of nostalgia and reflection in all areas of life. People make personal resolutions to lose weight and set professional goals meant to ultimately improve quality of life. Sole proprietors and small business owners often sit down with a  calculator and crunch numbers to find ways to save money and increase revenue in the coming year.

While cutting costs on utilities, using smarter marketing techniques and improving efficiency are definite money savers, there are some intangible factors, like stress, that affect bottom line too.

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