Life and Business Lessons during a Pandemic

Aren’t we all happy that 2020 is behind us? I’m most definately happy, but I know we are NOT out of the woods – just yet!

2020 was undoubtedly a challenging year for many of us. Unfortunately, many of you lost oved ones not only due to COVID infections, but also to; depressions, stress, and anxiety.

Trying to find supplies due to shortages of food and essentials

Many of you lost your business and some of you are still struggling to make ends meet. So YES, 2020 has taken a lot from many of us.

And although things may be going in the right direction according to a ” Bloomberg report (paywall), Yelp data shows that more than 80,000 businesses closed their doors permanently from March to July”…But that’s not all! The American Bankruptcy Institute expects that more than 36% of businesses will have filed for Chapter 11 bankruptcy in 2020.

working on my finances and marketing

However, for those of who remained in business, it certainly was an experience that was humbling and filled with anxiety. As for me, it brought back memories from the 2009 economic crash! Which brought on so much more anxiety. This time around I was prepared and ready to take “the bull by its horns”.

What I also learned as an entrepreneur who went through the first economic crash, was that many of you were still NOT prepared.

Many of you didn’t have a plan, savings, and were struggling with stress, anxiety, and didn’t know how to get through this unforeseen circumstance!

One thing that I personally didn’t learn from the last economic crisis, was to pay more attention to my family vs concentrating so much on the business!

As we all know, we are still not “out of the woods”. The year is not over, and as we move along into the coming years – we will still continue to have disruption and change.

Make sure that you evaluate your business; finances, family, and continue to prepare for ongoing changes and both life and business disruption.

So, I’m sharing this Podcast and Blog to share my personal story, and why 2019 and 2020 were so challenging for me.

I hope that my personal experience and tips will help you and your business.

My nightmare started when my 18-year-old son decided to join the Navy in 2019. He enlisted without us knowing until the day I got the call of his ceremony. It was so heartbreaking, yet a very proud moment. Mind you that this was all during a difficult time due to all the problems arising during our last administration. It was not easy, but I was very proud of the choice my son made.

Proud Navy mom; my Navy sailor

He graduated from BootCamp on December 06, 2019 (one day) after his 19th birthday. We were in Chicago for his graduation (so thankful and blessed because the nightmare started a few months later). This day was a stressful, proud, yet very emotional time for me. I was scared because I didn’t know where the Country was heading and there was so much going on with politics that I felt it was the wrong time for my son to enlist.

Remember we all have a lot going on “behind the scenes” and we all have our own stories…

Enjoying Chicago during my son’s graduation 2019

When we left to Chicago things were not right, I had a “gut feeling”…you know those feeling that you know something might happend, but you don’t know what or when…

Yeah, I get those a lot!…

You see I love to research and of course, I was doing my researcher, and guess what? While in Chicago I continued to research and I started to see all these trends and I told my husband… “Babe, I don’t know what is going on, but something bad is going to happen. Whatever it is when we get back we need to check our savings, do some prepping and pray that it’s nothing”…Boy was I right!!!

So we got back from Chicago end of December 2019. We got a call in January from my son telling us he was leaving for Japan. We didn’t get to see him or say goodbye, and he’s been stationed in Japan since the pandemic was declared in 2020. So yes, I have not seen my Baby boy for over a year and a half…

To add to the stress my son leaves for Japan, and due to the previous administration handling everything poorly; the country shuts down, the world starts going into chaos. The deaths, the supplies, the kids not in school, businesses closing, etc, etc…

So with all this chaos going on, we DID NOT notice what was really happening inside our house. We were so busy putting out fires, and trying to survive, adapt, pivot, and make sure the “house didn’t crumble”…

Tune in to my podcast and listen to the full story 👇👇👇

Please let me know your thoughts, comments, and if this resonates with you!

My baby boy and future proboxer
Episode 49: Life and Business Lessons and Tips during a pandemic

My handsome baby boy unbeknown to us was suffering from PTSD.

He was already struggling with the passing of his best friend a brother to him. The problem was – that we never addressed his pain. We were so focused on our pain because losing Kody who was like a son to us, and was very painful.

This is what happens when we are focused on our own pain, or dealing with chaos, daily life; pandemic, and my son leaving. I was unaware of his pain and suffering.

Remember: it’s NEVER to late to provide the help and assistance he needed and thank God, he’s doing so much better and we are slowly moving forward.

Lessons learned: We will always go through ups/downs, chaos, trials, and tribulations, but the world doesn’t STOP! We have to take a moment, sit back, and analyze what’s going on within our household. Ask questions, and look at changes, and help those in need – NO MATTER WHAT!

My Maui Vacation Spots


How many of you are interested in visiting Hawaii? I finally was able to visit the beautiful island of MAUI and let me tell you…I WAS NOT DISAPPOINTED!

We were very fortunate in being able to stay for almost 3 months in Maui! Therefore, we had to make sure that we planned and budgeted for our trip (day-by-day). We didn’t know how expensive or inexpensive things would be, but we were financially prepared by setting a trip budget.

Let’s get started and let me share my adventure

Now I’m an adventurist I don’t usually plan for my trips. I find it to be boring, it’s more exciting to plan as you go, and go as you plan…right? 🙂 The hubby, kids, and I usually just say…”Today let’s go…and we would hop on a car and travel, or hop on a plane and take off to our destination” – yup that’s how we ROLL!

So when we decided to go to MAUI it was NOT going to be different! But I know some of you prefer to plan your vacations and that’s OK, I got you!

Today I will share some of my adventures and places that you can visit. I will also share the “cost, precio, mula” – because it will be expensive, so plan wisely!


We went during the pandemic in November 2020 so there were many restrictions such as; COVID testing before you travel. Therefore, you need to make sure you have ALL your documents in place in order to AVOID being quarantined. So make sure to check out their online portal for daily updates.

Travel: The airline I used was Southwest Airlines. My experience with them has always been Top Notch, I’ve never had any problems with their airline. I love their Rapid Rewards program; their cancelation policy (during the pandemic it was GREAT) because we had to cancel our flight 3-times. Our COVID tests were not in on time, therefore, we had to cancel our flights. I also love their low-fare portal check out their low fare calendar for low prices.

As for accommodations – now that’s a different story 😒 hotel can run you anywhere from $250/night and up. We stayed in Wailea Grand Champions Villas; 2 bedroom condo with an amazing view and full amenities and just a few blocks from the beach was about $5K per month (but we had an amazing discount), but I know many Californians (who I met in Maui) were spending about $2k for a 10-week stay, so yes it’s pricey, but the experience of a lifetime!

Restaurants are also very pricey especially when you have a family of six. So for us, it was important to rent a cond this allowed us to cook at home vs spending daily eating out.

We made our weekly purchases at Costco. We spent anywhere from $150-$250 per week (yes food at the grocery stores was also expensive). Also, expect a long drive to the stores (depending on where you stay) speed limit is 35-45 on HWY. Our weekly drive to Costco was about a 45min drive.

Auto Rentals are very pricey and depending on the days you go their cars can be very limited! Make sure to pre-plan and try to rent your car in advance. They also have scooters, but you cannot take them on the HWY. So if you want to check out the surrounding areas, you can’t travel from Wailea to Lahaina. These amazing little towns are on the other side of the island, so a car rental is the best route. I used Hawaii Car Rental and Dan was amazing, the prices (we paid about $260/week for a medium-size vehicle), services were great!

NOW onto the fun stuff!!!

It was important for us to make sure our kiddos had as much in MAUI; enjoying the outdoor activities, and just having fun! Therefore we had to budget for activities (although we did go a bit over budget). My daughter enjoyed some of them more than others and we did repeats 😂😉

The time zone is different in MAUI (PST we are 2hrs ahead). So, if you want to enjoy MAUI and all its amazing adventures, you have to start early! Like 6 or 7 am early. Especially if you want to explore the road to HANA. This drive will take you all day! Therefore starting late means traffic and crowded places of interest, but also very dangerous on your way back. If you’ve never traveled this road, this road is a very winding road and at times has one-lane roads.

The Road to Hana isn’t your average road trip…and it’s definitely NOT The Road Less Traveled. This teeny-tiny – sometimes a one-lane – curvy road is just as crowded as it is charming. The road to HANA is packed with amazing views – turquoise seascapes, waterfall pools, botanical gardens, and lush rainforests, and the views of the trees, beaches are just breathtaking.

I was told that the road to HANA from Wailea – (according to google maps), was a 64-mile stretch. It also said it would take about 2 hours and 15 minutes. Well, the thing about Google Maps and Californians – they lied!

Thanks to my research with the locals; who told me this trip would be an all-day trip and that even that would not be enough! And boy they were RIGHT! We actually made 2 trips and it was STILL NOT ENOUGH time! We will have to re-explore on our next trip!😉

Here’s a quick tip I learned: You need to download  GyPSy Guide to Hana app and it can be downloaded on your phone and it provides you with a guided audio tour. It’s $6.99 and provides you with (from what I’ve heard); incredible advice along the journey, but it also tells you Hawaii history as well. It also provides you with; best viewpoints, attractions, and things you don’t want to miss.

Keep in mind that cell phone and bathroom services are very limited on some of these roads. So, make sure to go to the bathroom and get some snacks; download some music, get a map, and ALWAYS be prepared!

Did you know that Banana bread is a serious business in MAUI? And don’t forget about their amazing jelly and shakes stands in Kihei). So, if you’re into banana bread as much as I am, try the banana bread! There are many stands and places you can get a bite of their bread 🙂… Aunty Sandys (Mile Marker 17 down Keanae Road). There’s also Halfway to Hana stand (Mile Marker 17), Nahiku Cafe (Mile Marker 29), and Hana Farms (Mile Marker 34).

Ok, another thing about the road to HANA and I’m sure you’ve probably heard about the “back way”. It creates a loop instead of turning around at Hana. And guess what? Well, we took the loop! It was an amazing venture!!! Check with your car rental about their policies, and restrictions. Some car rental companies explicitly prohibit their vehicles from being driven on some of these roads. The roads are very bumpy; full of dirt/rock, potholes (some people have gotten stuck and some tow-trucks will not drive there) from what we were told by locals.

An amazing place to eat on your way to HANA - Mama's Fish house

Amazing Stops on The Road to Hana

  • Paia Town – First stop! This little cute little town. Make sure to fillup here because I don’t think you’ll have another chance until you get to Hana. Visit Paia Bowls or a stop at Mana Foods or PAIA Town Center lots of goodies; road trip snacks, and don’t forget to visit the Secret Beach for sea turtle viewing. 🙂
PAIA Town Center
  • Rainbow Eucalyptus Trees – Mile Marker 7
  • Garden of Eden – Mile Marker 10/11; It’s $15/pp admission fee. It’s a great place to stop for a bathroom break, but also a chance to get out of the car and stretch out.
HANA road, botanical garden
  • Ke’anae Peninsula – Mile Marker 16;
  • Half Way to Hana – Mile Marker 17; If you have a craving for some banana bread…delicious banana bread
  • Coconut Glen’s – Mile Marker 27
  • Nahiku Cafe & Marketplace – Mile Marker 29; Another great place to grab some coffee and some banana bread…I tell you the banana nut bread is amazing!
  • Waianapanapa (Black sand beach) – Mile Marker 32; Shiny black-sand Waianapanapa Beach
  • Hana Town – Mile Marker 34; You’ve made it to Hana! Congrats and make sure to enjoy all the stops!
Red Sand Beach; rocky beach
  • Kaihalulu Red Sand Beach (it’s ROCK NOT SAND)– An amazing hidden beach, but you have to be careful walking down to this beach as many accidents have occurred. Make sure to wear hiking shoes and definitely have a first aid kit. You must also limit your items to take down to the beach as the paths are very narrow.
  • Wailua Falls – Mile Marker 45; Get out of your car in the dedicated parking lot. Make sure you are careful where you park. Many of these locations are very narrow and there are not many places to park.

Keep watching and stay tuned for more of my daily life, business, vacations, and upcoming trip TIPS. I will share my adventures; tips, resources, and information inside my blog post; the CEO Hustler Show on YouTube, and the Boss Up and Rise Podcast. There’s so much to see and explore so you don’t want to miss it! FYI, this was just ONE ROAD!!! Wait until you hear and see about our surfing, ziplining, Molokini adventures, and more…it’s beautiful!!!

So what’s up y’all! What did I miss? Our 2+month stay was amazing and we had the opportunity to visit so many amazing spots along our journey! Leave a comment on all your favorite stops, and I would love to hear about your Hawaii adventure!

Starting and Managing Your Business with Chronic Pain Illness

managing your business with chronic pain

Starting and Managing Your Business with Chronic Pain Illness


Starting and Running a Business While Managing a Chronic Disease or Illnesses


Those of us who are dealing with chronic pain, disease, or illness know that it’s not fun, easy, and can become very overwhelming, and can create more stress.


I was taught at an early age to ‘live with it, deal with it, you’ll be ok’ having aches, pains, etc…Had I know then what I know now I would have done things very differently!


1. I would have eaten better.
2. Would have gotten my rest.
3. Decreased my alcohol intake.
4. Would have exercised more/partied less.
5. I would have made better choices when I was younger.


You see living with a chronic disease or illness hasn’t been easy, it’s been a very painful road and at times I’m so sick of being in pain that I want to hurt myself even more…

1. Go on a hunger strike.
2. I get depressed.
3. Stop eating well.
4. Start overworking.
5. I stop my self-care.


I’ve always suffered from medical issues caused by anemia, stress, depression, anxiety, and pain (First auto accident at the age of 15).


So when you add the Real Life Stresses; family, kids, business, life, daily ups/downs it can trigger your pains even more! I wrote an article in 2017 Depression is a Killer finally the fact that I had some internal issues that were triggering some of these aches and pains and that I needed to get some help.


I also learned that there are many things we can do to help us get through life and help us with both our life and business ( Your Health is Your Business As a matter of fact, I learned that dealing with constant health concerns can actually prepare you for the ups and downs of business and life. 


I read this amazing article where spoke with a few entrepreneurs who actually live with similar challenges and they shared some tips on how to manage their business and life check out the article, you will love it!


As for me, I learned to…Listen to my body, but I’m not going to lie after years of abuse, it’s still very difficult to stay on track, but I try every day! I also shared some tips in my previous article Physical and Emotional Health


Listen to your body


Those of us who have been running a business know that it’s mentally and physically exhausting, and the risk of overworking yourself will happen daily. Therefore learning to listen to your body and learning how to manage your chronic conditions, and paying attention to your symptoms becomes a vital part of being able to continue working.


“If you neglect your health in the long term for a short-term business need, you may find that you’ve created bigger long-term problems for yourself,” warns Kyle Brost. 


I’ve been suffering from autoimmune disorders for 30 years, but I didn’t know until I was just recently diagnosed and my doctors reviewed all my medical history with me…Yeah, go figure! For the past 5 years, I’ve been learning new ways to stay healthy, I try to pay close and careful attention to what both my business and my body needs on a daily basis and I try to adjust my workload when possible, rather than pushing myself, but I’m not always successful and therefore know that I’m going to get sick! I try really hard to be in tune with how I’m feeling, my workload, daily life ups/downs, and notice when things may be headed downhill. Both my family and I know that when this happens, I need to start taking the necessary steps to prevent it from getting worse, unfortunately, that’s never the case, I push myself till the end – NO BUENO!


Managing stress levels


We all know that having high levels of stress can often make chronic health and pain problems worse. But controlling the stress “is easier said than done, right?”


Therefore paying attention to your stress, both with business and life, is a must if you want to continue to stay active and productive in both business and life. After all those of us with kiddos, we know that being healthy and active is a must in order to care for our kiddos, right!


So starting in 2015 after lots and lots of research I learned that I had to start listening and understanding my triggers because these triggers will also cause flare-ups. My flare-ups are caused by; the food I eat to the stress I have, from being overweight, to not eating or resting well, and of course, overworking has been my main triggers!


So keeping your stress to a minimal level is a must!

1. Staying away from the “toxic people”, even if it’s family
2. Delegating your work both home and business
3. Creating a routine/plan
4. Controlling your workload/flow both home/business is a must
5. Understanding and being ok with the fact that NOT ALL days will be easy


Manage Your Time


One of the many illnesses that I’ve been diagnosed with is; Fibromyalgia, RA, Lupus, Chronic Pain just to name a few, so understanding that having these medical conditions will cause sudden flare-ups and therefore trying to “be superwoman” and not taking breaks will cause pain and will put me out of work, but more importantly it’s not fair for my family to keep going through my aches/pains because I refuse to LISTEN TO MY BODY! Therefore listen and take some of these basic and simple steps:

1. Take a breather
2.  Go for a walk
3. Listen to some music
4. Quick exercise; yoga, meditation, stretching
5. Create a system for both life and business and DO IT!


At the end of the day how precious is our time and health? It’s a valuable resource and therefore should be treated as such. We also have a tendency to test our limits and push ourselves and maybe that was ok when we were young, but in the end, as we get older we start paying the price…So if you’re young and healthy take care of yourself, if you’re like me older and in pain then start listening to your body and create a plan, and change your way of life, but more importantly SEEK HELP, you are NOT ALONE on this journey!


Follow me for more tips, resources, and information Check out My Latest Post via my Instagram Page


If you prefer Audio, make sure to subscribe to my podcast and tune in for more amazing episodes to help you, and your business TUNE IN EVERY FRIDAY!

Simple Ways to Avoid Burnout and Boost Happiness

The CEO Hustler Blog

Hard work is fulfilling, exciting, life-affirming, and hard. Sometimes, unfortunately, that last one starts to overtake all the others. When the difficulty of each day begins to overshadow your pride and satisfaction, you’re starting to experience burnout.

Burnout is a risky thing to ignore because it rarely goes away on its own. Left unaddressed, burnout can cause you to feel anxious and depressed, or lead to unhealthy life habits like excess drinking or overeating. At the end of the day, you need to feel good about how you’ve spent your time. If you’re not, here are a few ways you can take control of your situation and leave burnout behind.

Get Your Diet on Track

Stress can lead to poor eating, and poor eating can lead back into stress – meaning if you eat snacks and junk food to handle your burnout, you’re probably just making it worse. Instead, focus on getting a balanced diet that features plenty of fruits, vegetables, proteins, and healthy fats.

Eating right to prevent burnout goes beyond simply keeping your weight in check or boosting your nutrient intake. More and more research shows that your gut microbiome makes a huge impact on your overall wellness, including your mental health. You can support a healthy gut biome by eating an overall healthy diet, particularly one that includes probiotics. You can get this through yogurts, fermented foods, or a daily supplement – regardless of the source, getting good bacteria into your gut should make a big difference.

Work Out Regularly

Much like a good diet, we all know we should be getting regular exercise, but actually doing it is a whole other matter. It can be hard to imagine fitting a good workout into your day if you’re already busy. However, try to find time to get at least 30 minutes of moderate exercise three to five times a week. Not only will this keep your body in good shape, but it will also release excess adrenaline which may be contributing to stress.

There are several ways you can fit exercise into a busy schedule. For example, consider going on a brisk walk during your lunch hour or spending part of your day doing toe steps at a standing desk. You can also wake up a little bit earlier to make some time for a quick, energy-boosting workout in the morning. Live close to work? Consider walking or riding a bike during nice weather instead of driving.

Working out regularly will do you a world of good, but you can also speed up your metabolism (and gain more benefits) by taking a metabolism booster. Before taking one of these supplements, carefully review the ingredients, learn about any side effects, and get the approval of your doctor.

Meditate Daily


One of the simplest things you can do for your own mental wellness is to add mindfulness meditation into your daily routine. Studies have found that practicing mindfulness decreases anxiety and boosts overall health significantly. By training your brain to stay in the present moment, you’re less likely to spend your time away from work focused on what’s happening at the office. Mindfulness allows you to be truly off the clock and enjoy your downtime.

If you’re new to meditation, consider downloading a mindfulness app for beginners. These have plenty of guided meditations that will help you learn how to focus on the present. Don’t be intimidated if it takes a little while to get the hang of it – after all, you’re building an entirely new habit, and your brain isn’t going to be used to it right away. Simply allow yourself to refocus on the meditation and your breathing, and know that it will get easier with time.

Burnout can lead to major life dissatisfaction, and that’s why it’s so important to recognize and address it, even before it sets in. Build these habits into your regular routine, and you’re a lot less likely to feel overwhelmed by work and other responsibilities. Instead, you’ll be able to handle your workload with ease.

Photo Credit: Pexels

Don’t forget to check out this Post >> Self-Care Goals

If you’re seeking tips and want to learn more about How to Start Your Business, or what it takes check out this Video >> Life of an Entrepreneur

How to Keep Up Your New Year Self-Care Goals

Faviola Valencia Blog

There’s something invigorating about waking up to a new year after December 31 comes to a close. We tend to believe we can accomplish anything we want despite having not achieved these goals in the year before. While it is tempting to set lofty goals each new year, changing not necessarily the goals, but how we approach them, is the key to success. With a few tips and some advice, keep up with your new year’s self-care goals. You might even be surprised at how easy accomplishing those goals will be by the end of the new year.


Start Small

Setting out with lofty goals can be setting yourself up for failure from the start. When challenges and intentions reach a point of seeming unattainable, that’s when most people begin to fall short of their goals. Therefore, start with small changes to your routine to accommodate a single new goal that motivates you or build to meet your long-term goal.


For example, if your self-care goal is to spend more time for yourself in the morning, do not start by setting an alarm for an hour and a half earlier than you already wake. Begin by waking up just 15 minutes earlier, and then work your way up gradually.


Similarly, if you wish to spend more time meditating with the goal of reaching an hour-long meditation, do not simply set out at an hour. Build up slowly in small increments; this way, it seems manageable and you grow accustomed to the incremental changes. If you need help getting a handle on meditation — or any new task, really — look for an app that can lend a hand. Headspace, for example, is a great place to start. And if you discover that it works for you, there’s a $12.99 subscription service that can help you expand your skillset.

Make More Time If you do not get enough sleep and cannot afford to wake up a little earlier to fit everything into the day, consider outsourcing some of the chores and tasks you do. Hiring someone to take some chores off of your shoulders is an easy way to make more time in your schedule for wellness and self-care. Whether it is a meal-prep kit or hiring a weekly — or even monthly — housekeeper to clean up, there are quite a few options you can explore.


It is, however, important to consider the expense. For example, the cost to clean the interior of a home in Sacramento is typically between $119 to $241, with the average cost landing at around $177. Make sure you set aside or have enough money saved up to afford such an expense. Inducing more stress is not the goal, so remember to plan ahead.

Be Kind to Yourself Remember to be kind to yourself when setting and keeping up with your self-care goals and intentions. Set one goal and be realistic. Consider how much time you have to give this goal and the attainable, actionable steps you can take to make it happen. Come up with a plan and even write it down or outline it if that helps you stick to it.


No matter the goal or journey, there are bound to be missteps along the way, so do not worry or beat yourself up if you have an off day. Do not let a single fall keep you from finishing your goal either. Pick up where you left off the next day and stick with it. Reward yourself too, which will help you maintain momentum toward the end goal in the long-run of the year. Even actions such as enjoying a bath or indulging in a face mask and time to read a good book can be affirmative actions after taking visible strides forward with your new year goal.


In all, set realistic goals and expectations that motivate you to make small changes. Work toward accomplishing these ideals with changes you can live with each day. Build up over time, and consider off-loading some of your work or chores to make more time for yourself. Through successes and failures, remember to respect your efforts and be kind to yourself.

COVID-19: Business Survival Tips

Faviola the CEO Hustler

COVID-19: Business Survival Tips

Business Tips that every Entrepreneur needs to do

Some of the top CDC-Recommended Tips that small business owners can take to mitigate risk, protect employees and support customers during the COVID-19 pandemic

As of February, we all started to see major changes in the economy, virus, etc and now we know that COVID-19 pandemic is spreading at a much faster pace – faster than we have ever seen with past viruses.


And as the situation evolves, many families including small business owners, entrepreneurs, freelancers are unsure of what steps to take to mitigate risk, protect their business; employees, but also support customers.


Here’s a
FREE Tool Kit.


Here are additional tips that I would also like to share with you during this COVID-19 crisis:

  1. If you are NOT working at home make sure to establish a Remote Work Option
  2. Reduce all meetings and/or travels
  3. Establish some work flexibility in order to protect your employees/workers/freelancers, etc.
  4. Communicate effectively and transparently with your customers and make sure they also understand your new policies (if any) during these difficult times.
  5. Stay safe, clean and healthy
    1. No handshaking
    2. Wash your hands
    3. Do not touch the face
    4. Disinfect areas

During these difficult times, we tend to watch the news, listen to the radio, social media and 8 out of 10 times we are receiving conflicting and misinformation.


I highly recommend that you stick to one channel to AVOID CONFUSION:

  1. Follow your City, County, and State news for accurate and up to date information
  2. Also, make sure to sign up or follow updates with the SBA or US Chamber of Commerce to get information about potential help during these difficult times.
  3. Also, try to consider obtaining “interruption insurance” because that may be an option for you in case of significant business losses.  Ask your insurance broker.
  4. Re-evaluate your financial situation;
    1. Decrease your unnecessary costs
    2. Create a new financial plan
    3. Start saving if at all possible
    4. Search for small business loans, disaster assistance loans, forbearance payments, hold or freeze your credit card payments.  

This is the time to be proactive and search for help, but also try to minimize all your costs, plan for the future, and more importantly prepare for the worst.