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The challenges of 2011/12 have been more worrying than ever before. There are some real reasons for this. Italy and Spain are in preparation to sell debt amid concerns that Europe's fiscal crisis is infecting bigger economies, debt levels are more than 25% higher than the Great Depression and the US - well, we are all aware what is going on there.

For many small business owners, we are now down to the business end of the year. To make a dollar or for some, to survive another year.

While it has been tough and most small businesses can attest to this, those who are investing in their product and service offering, are fairing better than those who are saving every penny and hoping for a better day.

I am an optimist in every sense of the word. My glass is half full and there is a lot more left in the jug. But as I use positivity to spearhead my next steps, I am acutely aware that 'having all your ducks in a row' is paramount to not only surviving but growing your business and moving forward.

As a small business owner, there are many things to consider:

A post of Facebook by my best girlfriend of more than 20 years, about an upcoming Prince concert, had me tormented. Why? Because concerts for me are usually best heard on a DVD or somewhere I can have sound control. I sound like a 'Nanna' but load music usually gives me headaches and although I love music, I tend to love silence a little more.

Driving down the streets of Munich, I looked ahead to see three vehicles in a row. It immediately had me thinking - what makes one car stand out from the rest when every car has a purpose?

Simple. The car that stands out is the one that is best suited to you as an individual. Not the person sitting beside you. But you.

Learning to surf a wave is not the easiest task in the world to do. It requires a certain amount of skill, some balance and a whole lot of determination. And... it requires practice.

In the dotcom boom, everyone who was not inventing an online business, were buying up shares so that they felt part of it. The problem was, that by the time the publicity hits and consumers are encouraged to buy shares, the fat cats in corporate finance and early investors have already made their dough.