Top 10 Reasons Why Your Finances are Stagnant Even if their ventures are profitable, business owners who run SME companies and small businesses frequently find themselves in a financial rut. Accounting for SMEs is a difficult task. However, with the right people, tools, and assistance, business owners can be in a better position. To protect yourself from the dangers of overspending, first track your spending and then start tracking larger purchases. Before making any new payments, consider whether you can afford the additional expense. Make regular savings a habit, and create a good financial budget.