One of the biggest excuses people have when it comes to starting businesses is that they lack the funds for advertising. And even if they have the funds, they might be in so much debt from their personal expenses that are too afraid to take that next step. So, why not get in the habit of saving $85 a month? In a year, you would have $1,020, which is a substantial amount of money. What could you do with $1,020? If you have debt, you can pay it down. If you lose your job, you would have a month of rent available. If you are open to online businesses, you have $1,020 worth of advertising. The list goes on. True, $1,020 may sound small, but in the whole scheme of things it can get you to a higher level of freedom. It just depends on your perspective.