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One in four female small business owners has taken a pay cut in the past year, according to new research.<br/><br/>The survey of 1,000 female small business owners examined how their experience has shifted in the past year and found that the down economy has forced a quarter of these business owners to cut their own pay to keep their businesses afloat.<br/><br/>For those small businesses that have been open for at least a year, many have also raised the price of their product or service (37%), and more than a quarter are actively seeking less expensive resources (27%).<br/><br/>Conducted by Talker Research for Office Depot, the survey found that 53% of female business owners said the past year has been the hardest for their business.<br/><br/>In 2023, respondents expressed challenges with funding (42%) and growing their business (30%), which continue to be the top struggles this year (39% and 30% respectively).<br/><br/>Experiencing fatigue was more of a pain point last year (23%), while marketing is proving to be a greater challenge this year (25%).<br/><br/>However, hard work has paid off for many female small business owners this year, allowing them to reach their 2023 goals: growing profit (goal of 59%, achieved by 26%), gaining more customers (goal of 53%, achieved by 41%) and expanding their business (goal of 28%, achieved by 12%).<br/><br/>And to keep the momentum going, respondents predict they’ll continue to uplevel and succeed through continued revenue growth (63%), gaining more customers (54%) and business expansion (27%). <br/><br/>But success is also about a lot more than dollars and cents. Twenty-one percent of respondents said success is all about making a positive impact in their community and a fifth (21%) included innovation as a success marker.<br/><br/>And while the next year looks to be more positive for female small business owners, there will still be challenges to overcome, with inflation (39%) and funding (25%) serving as the top concerns.<br/><br/>To overcome these challenges, female SBOs are throwing themselves into their work more often — but how much is too much?<br/><br/>Work-life balance improvements have slowed by 15% since last year, as only this year, 58% said their work-life balance has improved since becoming a business owner, compared to 73% who said the same last year.<br/><br/>Women surveyed feel they need to choose between their family and their profession multiple times every month, while one in eight feel this way every week.<br/><br/>And overall, 42% said being a business owner has made it more difficult to balance their outside work responsibilities.<br/><br/>To better balance their work and family life, those surveyed are committed to “cutting back on working hours,” “taking time for quiet reflection” and “being willing to take a day off as necessary.”<br/><br/>For respondents who set up their business in the last year, top reasons include wanting to be one’s own boss (59%), deciding to pursue a passion or hobby (46%) and drive to put an idea into action (41%).

Survey reveals how female small business owners measure success

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The Dallas Mavericks (2-2) lose a double-digit lead to the Oklahoma City Thunder (2-2) and lose in the final minutes of game 4 on Monday night 100-96. The series is now tied 2-2 and Dallas will head to OKC for Game 5 on Wednesday night. <br/><br/>The first quarter was electric for Dallas, in fact the first half at that. Luka Doncic scored the first seven of Dallas’s first 14 points. He was quiet after that but guess who came along to save the Mavs yet again during the playoffs…. PJ Washington. Washington scored 14 points for Dallas in the first half and was 4-of-9 from downtown. <br/><br/>Dallas had their largest lead of the night in the first quarter when they took a 22-8 lead. The Mavs ended the first quarter up 10 points, shooting 5-of-11 from three-point range, 45 percent.<br/><br/>Second quarter started and ended just like the first quarter, it was raining threes in American Airlines Center. It seemed like they couldn’t miss there for a while. Midway through the quarter tha Mavs were 50 percent from downtown making seven of their 14 three-point attempts, led by Washingtonwho ended the night with five made threes. <br/><br/>Dallas took a 54-43 lead into the half. The Mavs were led by Doncic and Washington. <br/><br/>Kyrie Irving was quiet in the first half only having four points. <br/><br/>OKC took the third quarter outscoring the Mavs 22-15 but Dallas still held a lead. Midway through the fourth quarter they still maintained a seven point lead. Washington led the Mavs with 20 points, Doncic had 17 points, and Derrick Jones Jr. added 13 points. <br/><br/>Jones Jr. stepped up tonight for Dallas as Irving didn’t seem to have the best night. Not only did Jones Jr. added significant points for the Mavs but he also played tremendous defense for Dallas and came up strong on big plays. <br/><br/>Oklahoma City took their first lead of the game with two minutes left in the fourth quarter and the key difference that let this game slip away from Dallas was free throws. The Mavs shot 12-of-23 from the line while OKC shot 23-of-24. When you have a four point loss, that is the difference between a win and a lose.<br/><br/>“We shot 52 percent from the line, that’s unacceptable.” Doncic stated after the game in the post game press conference. <br/><br/>The Mavs shot great from the floor, they drained 12 three-pointers and shot 40 percent from the floor. But with the 11 missed free-throws on top of giving up 34 points to Shai Gilgeous-Alexander OKC capitalized at the end giving them the win in Dallas. <br/><br/>Game five will be OKC on Wednesday night. Tip off is at 8:30 PM.<br/><br/>

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Robyn Demming from Raisin UK discusses the best deals for savers and borrowers.

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Saving a deposit for a mortgage can be the biggest hurdle to buying a home. Our top tips could help you speed up the process.

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