Credit cards, payroll, bookkeeping, insurance (fees fees fees)
Eyetrepreneur - A podcast by Perry Brill and Dr. Raymond Brill

Holy smokes? When's the last time you evaluated how much you are paying for credit card merchant processing? How about payroll? How about insurance? These bills get wayyy out of control if you are not constantly negotiating rates. It doesn't matter what type of eyecare business you run, wholesale or patient care, you need to cut your costs of goods if you want to generate profits. It's much easier to save money than try to invent new ways to produce more revenue. If you save $3000 per year on fees, that's $15,000 over 5 years. It's real money.