I am a small business owner with one employee. She "books" all of the physical work/labor I perform. I've been in business since 1999. My business was doing "fine" (I'm not going to get rich, but I like what I do).
In February of 2006, I had to have emergency surgery. I tried going back to work too soon, which made my situation worse. My "regular clients" looked elsewhere to have their needs met. It's been hard trying to get these clients back.
I had NO INCOME from May through August, what so ever. I started living on my credit cards.