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By Puharic & Associates, Inc. As the new year begins, many individuals and business owners take time to get their financial house in order. Billing processes are reviewed, expenses are scrutinized, and systems are adjusted to create a cleaner, more predictable year ahead. For many, this comes after several years of stretched budgets due to persistent inflation and rising costs across nearly every category. One area that deserves special attention—but is often misunderstood—is