Dream of starting your own business in the new year but short on cash? Guest Tim McEneny offers sound advice for the self-funded entrepreneur including “target your customer then launch a pilot project to prove your worth” and (here’s a shocker) “don’t waste time and energy drafting an elaborate up-front business plan.” Learn the plusses and minuses of inexpensive start-up options like online business, franchises and network marketing. Guest Stephanie Skaggs reveals the personality traits you’ll need to succeed as an entrepreneur and describes creative new initiatives to obtain start-up funding.