Just when you thought you could take a break from your small business you realize that July is here and it is time to develop your mid-year plan. Too many small businesses blow off doing any planning during the summer months, believing that they will have more time in the Fall. The problem with this strategy is that once Fall rolls around it is too late to plan for what is already happening in your business. In my experience, women businessowners tend to put off mid-year planning more than their male counterparts. Why? Well, again from my experience, it is often because family responsibilities are increased in the summer months and/or they have not surrounded themselves with competent advisors -- financial advisors, accountants, business consultants -- who initiate the conversation.