Away in the Manger, Silent Night, Joy to the World, Hark the Herald Angels Sing. Familiar hymns of Christmas. Retail and online stores thrive at this time of year, yet some businesses dread this time of year because people are spending their money on presents for family, friends, children, donating, but a month to month business owner may really experience the struggle because the funds are being used elsewhere. Recently, I talked to a business owner and her time off in her