If this is your first word action picture based article, you might try choosing your topic first and then choose an active verb or action word to build your article title and content. Now write an introduction emphasizing the risks and encourage your reader to keep reading for the solutions. End the introduction with a short list of benefits to the reader when they take your advice.
In the Personnel Expense Budget Section include the salaries for the following: o Office Personnel o Store Personnel o Sales People o Other personnel necessary in the operations. Ideally, you budget expenses for a quarter in the personnel expense budget. This is for the first three months of operations where you are not expecting profits to come in as yet. You may have receivables during the first few months of operations but they may need to be earmarked for other operating expenses and thus your budget needs to be sufficient for the first quarter. Even if you are budgeting for the year and is already in full operations budgeting for three months is still a good rule of thumb. If you are already comfortable with your budgeting and timing of receivables, only then can you budget two months for personnel expense budget.