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PIB TIP. HAVE A PLAN:  A business plan helps you make ends meet. It shows you how much money is needed for expenses, where it will be spent and how much you can afford to pay yourself. Your business plan should show all sources of income and cost, while taking into account industry averages, personal expenses and cash flow. It should provide a complete financial picture in weekly, monthly and annual detail. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and sponsored by the load-matching service TruckersEdge, powered by TransCore DAT. strives to maintain an open forum for reader opinions. Click here to read our comment policy.