As a leading financial expert, Amir Landsman has extensive experience in dealing with the cash-flow problems faced by small business owners in today’s economy. Setting up a budget and sticking to it can be an important key to maintaining liquidity in unsettled economic conditions. An emergency savings fund is a critical element in any small business budget. By setting aside a portion of profits each month, companies can avoid accruing unmanageable debt and can more easily weather unexpected expenses. Companies that create a responsible budget and stick to it typically do better even during tough economic times.