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#23: The Small Business Stimulus Package: What You Need To Know

Take It Personally

Release Date: 04/03/2020

#33: Getting the most mileage out of your content show art #33: Getting the most mileage out of your content

Take It Personally

I have always enjoyed blogging which I think makes me a little bit unusual because whenever I talk to my creative friends about blogging I am typically met with groans. It isn’t something that people necessarily like doing. I think some of that is because we are told that as creatives who have a website, we should be blogging. But it takes a while to see results from that blogging! And I think that’s because a lot of us are not doing it correctly. I noticed the biggest change in my business, website traffic, the type of client I was attracting when I doubled down on evergreen content,...

#32: Finding Clarity and Paving Your Own Financial Path show art #32: Finding Clarity and Paving Your Own Financial Path

Take It Personally

Amanda Runia is an ex-accountant out of Brookings, SD, where she lives with her husband and three young kiddos. She has a love for fast talking, making new friends and helping others not feel lost. She owns a consulting business, In-House Ally, where she uses her accounting background and unique strengths to help business owners make better decisions and ultimately comes alongside them as an ally. I love when people like Amanda can take something seemingly overwhelming like finances and break it down to be understandable and digestible for your business. I hope you enjoy the conversation!...

#31: Dealing with Price Comparison show art #31: Dealing with Price Comparison

Take It Personally

You finally feel good about those (higher! yay!) prices you're charging, only to find out that a "competitor" is doing what you're doing for half the price. What next? How do you handle it?  Let's talk about the four things that need to happen when you find yourself in this position, and how it can actually be a very good thing for your business. Join the Facebook group for more discussion after the show! https://www.facebook.com/groups/takeitpersonally/

#30: Embracing the Seasons of Life and Business show art #30: Embracing the Seasons of Life and Business

Take It Personally

Well hello. It's been a while. I'm popping in today to give you an update on my hiatus-turned-super-long-hiatus, and talking about what 2020 and my third pregnancy taught me about life and business. I missed you! Join the Facebook group here and let's continue the discussion: https://www.facebook.com/groups/takeitpersonally

#29: What to do When Your Business No Longer Aligns with Your Passions show art #29: What to do When Your Business No Longer Aligns with Your Passions

Take It Personally

Today on Take It Personally is guest, Chelsey Schnell! Chelsey is from Sioux Falls, married, and has 3 kids she gets to love on and 2 in heaven that she lost to miscarriage. She is an Enneagram 4, works in marketing and is also a photographer, and now runs a nonprofit she started, called Evermore Blooms. Evermore Blooms delivers flowers to moms, who have suffered a miscarriage, on their hardest days (due date, anniversary of the loss, etc.).  Chelsey has a unique story as it has taken a lot of different turns over the years as she has learned more about who she is and her...

#28: Understanding the Enneagram with Jada Dobesh show art #28: Understanding the Enneagram with Jada Dobesh

Take It Personally

Today I get to welcome Jada Dobesh onto Take It Personally! Jada Dobesh is the owner of Selah Space, a holistic wellness cooperative. She is a Spiritual Director who uses the Enneagram as a map for her directees personal, spiritual, and mental-emotional growth. She lives in Sioux Falls with her husband Witt, and daughter, Audrey and spends a great deal of her time baking bread and working in her garden. Over the past year, I have been exploring my spirituality more and have loved following Jada on social media. Jada is going to be sharing all about the enneagram specifically today, which is...

#27: Pivoting Your Business During a Crisis show art #27: Pivoting Your Business During a Crisis

Take It Personally

#26: The 80/20 Rule for Your Content Calendar show art #26: The 80/20 Rule for Your Content Calendar

Take It Personally

CONTENT. It’s a word that strikes fear and causes paralysis. There is so. much. pressure. Will it be good enough? Deep enough? Clever enough? Funny enough? Enough enough? There’s a rule of thumb that has helped me get past that content paralysis, and it’s called the 80/20 content rule. What that means is that 80% of the time, you serve your audience, and 20% of the time, you sell to them. And if you use the 80% effectively, the 20% becomes so much easier.  The 80% may seem daunting, but you have more to share than you think. Use your content to educate, inspire, entertain, or...

#25: When To Work For Free show art #25: When To Work For Free

Take It Personally

In this episode of Take It Personally, I’m going to share my rules for when to work for free, what to give, and how to say no. This is an important conversation, and it may be coming up more lately with all that is going on in the world (when I planned this episode, I didn’t think I would be sharing it during a global pandemic). You may be in the position right now of having more free time and the ability or capacity to share free content with your audience. Or you may be in the position where you need the money to pay your bills, and working for free isn’t really an option. One of...

#24: Staying True to Business Values in a Crisis show art #24: Staying True to Business Values in a Crisis

Take It Personally

I’m sitting down with another business owner for this episode, Jeremy Brech, to discuss what this unique, and possibly difficult, time can mean for your business or businesses in general. I know we are all hoping to make it through with our sanity, but ultimately with our business still intact.  There are so many unknowns, and emotions are all over. And that’s okay. This situation is not normal or ideal, but I have found talking with other business owners or people who are experiencing the same thing to be helpful. And that’s what this conversation is today. Jeremy Brech is with DJ...

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I’m joined today by my personal accountant, Courtney, from Numbers and Such Prof. LLC. She is here today to talk all about the Small Business Stimulus Package and the different loans and grants available and what they mean for small business owners.

Things are constantly changing and everyone is searching for information (this was recorded the morning of April 3rd). Courtney helps clear things up today, but ultimately, we suggest that you get in touch with your CPA and business banker to understand what action you need to take next.

Here’s a look into some of the information Courtney shares:

Economic Injury Disaster Loan

  • The EIDL is a loan that you apply for through the SBA. If you can’t get funding elsewhere, consider this one. It is an up to 30-year loan (but not guaranteed that).
  • When applying, there is $10,000 grant money you can request (again, not guaranteed that full amount).
  • The SBA is bogged down, so just a reminder that the money may not be granted to you immediately and may take time.
  • Apply through the SBA website.

The Paycheck Protection Program

  • The PPP is another one you can apply for to get 2.5x your average monthly payroll in a loan, which can convert to a grant if you use it for certain purposes.
  • The loan is 2 years and has an interest rate of 1%, though it has potential to be fully forgiven.
  • Independent contractors can’t apply until Friday, April 10.
  • One requirement is having under 500 employees.
  • Apply through your bank (more info here).
  • You have 8 weeks to spend this amount (on payroll, rent, and utilities).
  • 75% of the forgivable amount needs to be used on payroll. 


  • Unemployment can be collected for 10 weeks before you need to start searching for other work (check according to your state).
  • South Dakota maxes out at $414 a week (specific requirements to determine amount) and supposedly the federal government is adding to that with an extra $600 a week, if the state chooses to adopt and implement it. 
  • If you receive a furlough notice from your employer, that may make your application easier. 

Other Notes

  • Check with your lender to see if they are SBA-friendly and participating in these options.
  • There are billions of dollars on the line, and it is anticipated to dry up. The money is first come, first serve. Apply as soon as you can.
  • If you have a Schedule C, things can get murky. Because we don’t have typical payroll, having the loan be forgiven would look differently, and we just don’t have enough clarification at this time.
  • You don’t need to have 2019 taxes filed to do all of this, but you will need 2019 financials either way. 

Other Tax Items

  • SD sales tax deadlines are not pushed back.
  • SD unemployment tax deadlines are not pushed back.
  • Payroll taxes – depends if your CPA has guided you to postpone.
  • Income tax got pushed to July 15 (instead of April 15).

One final reminder: the best thing you can do is get in touch with your CPA and banker to figure out the steps you need to take next to apply.


Thank you, Courtney for joining and sharing your knowledge. We hope this was helpful to all of you small business owners out there. If you are looking for help on this, you can connect with Courtney on her website or Facebook Page.

Some of the best conversations happen after the show in my private Facebook group, Take It Personally Podcast. Click here to join and ask any questions you might have regarding the Small Business Stimulus Package or information in today’s episode.