I have lots of little projects right now, which I guess is ok - it all adds up.

My big project - a building for a local non-profit - will be on hold after this Friday while they work up a contract for me for the rest of the phases. They also want to stop for a month or so to secure some additional financing.

My other big project - a fire station - is also on hold because it's in the permitting process.

This leaves room for the next-largest project which I'll start on Monday. It's some renovations at a hotel.

And then review for two different subdivisions which entails lots of little meetings.

Here is the good news: I've met my earnings goal for the year!!! This means I don't actually want to bill until next year. It also means I can afford the slightly higher health insurance premiums next year so that we can have a PPO rather than an HMO. I am going to lower our deductible, too. The business covers health insurance for both me and F, and D gets his through his job.

I heard about one company that has high deductible policies for its workers, but it covers the deductible. I'm not sure how that would work or if it would be legit for my small S-corp. But that would be a great alternative.

Other work things I'm thinking about: I need to buy the new version of Autocad. I'll do that before the end of the year.

I am also taking a distribution to pay for our solar panels, but that money has already been taxed in previous years (as an S-corp, the tax on any profit is passed through to me). This doesn't affect the profit or my bottom line.

Also before the end of the year I need to work out next year's salary. With the health insurance cost increase, I don't think I'll give myself a raise.

If you have a business, are you dealing with some of this end-of-the-year stuff right now?