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This is what should be spent monthly, P&I (principle and interest) on debt service. This does not include the down payment recoup, which should come out of the buyer’s pre-tax discretionary cash flow AFTER debt service. As a buyer, getting the down payment back should take 12-24 months based on the business growth and future potential. So say that your final sales price is 0k. The buyer should recoup k down payment within 24 months via the discretionary cash flow.

Maybe you’ve been talking. emailing. or text-messaging back and forth with your ex boyfriend for a while now. If so, you’ve probably become pretty comfortable. But you know what? Hiding behind a screen or phone is easy to do. Meeting your ex face to face is a lot harder, and you may find yourself at a loss for words. Being comfortable is extremely important, which is why you need to pick the correct place to meet up.

If you want to figure out what the debt service is for this business, take the true discretionary cash flow and divide it by 33%, as the most a buyer should pay yearly on debt service is 33% of their cash flow. That number is then divided by 12 for the year. The result is the most that your business can afford to pay monthly, including a recoup of a down payment and still pay an owner, and remain solvent.

One of the greatest tricks I want to let you in on is that of the cheeky smile. Women love men who know how to have fun and don’t things too seriously, which is why this technique works so well. It’s also because it’s such a subtle trick when done properly that they don’t even realise it’s happening.

Take note of what you did to get into your financial mess in the first place. If you are trying to fix your credit and have spent considerable time doing so, let that be a beacon for you not to get in that kind of mess again. If you have been overworked and underpaid, remember that when you negotiate salary terms for your next position. Learning any personal finance lesson can make or save you money in the future. Take the lessons you have learned and apply them to your finances in the future, giving you an advantage moving forward.

Under the immutable laws of attraction your underlying fear, the pre-“dominant” feelings you have about your future is what you will create. If you now know this is the basis of your universe then start thinking and feeling like a winner. Yes it may feel like a lie at first but don’t worry that is not your fault. But keep thinking and feeling what you really want to happen and you will start to resonate with those thoughts.