Business Resources

Can You Delay Payday If Cash Flow Is Tight?


How much a Web site costs to build depends on how much you want it to do.

You can put up a basic "billboard" site for practically nothing if you use one of the homesteading sites offered by services such as Yahoo! Small Business. There are a number of services that will help you build a simple, templated business Web site for less than $100. A world-class e-commerce site for a big company, on the other hand, can cost $1 million or more, according to Gartner, and it can require ongoing maintenance costs to match.

But there are always options to cut corners. If you're willing and able to do much of the work yourself, you can save a fortune in labor costs. You can use freeware and shareware Web building tools instead of spending thousands of dollars on full-blown commercial image editors, HTML authoring programs, and other niceties. And you can host your site with your regular Internet service provider instead of a dedicated hosting service.

There's nothing wrong with the low-cost approach, but if you're really serious about growing your business on the Web, it is not recommend that you scrimp on your site. While you don't want to waste money, investing in a clean, fast, well-designed Web site that's always up and running for your customers is probably one of the best ways to spend your money. operates one of the Web's premier business sites, providing practical information and services for business professionals and growing businesses. See more at


In a small business one late payment from a major client can make it tough to have the cash on hand in time for the regular pay day. An extra day or two of breathing room might seem helpful to balance cash flow but it will also run afoul of wage and hour law.

The U.S. Wage and Hour Division of the Department of Labor (DOL) responds to this question by stating, "In general, an employer must pay covered non-exempt employees the full minimum wage and any statutory overtime due on the regularly scheduled pay day for the workweek in question." This information comes from the DOL's recently published Frequently Asked Questions Regarding Furloughs and Other Reductions in Pay and Hours Worked Issues.

Federal and state wage and hour laws require the establishment of workweeks and pay days and the recordkeeping that goes along with this process. The combination of these regulations also makes it hard to change pay day. The DOL State Payday Requirements chart can be a good place to start your information search. States differ in requirements of pay frequency and are specific advance notice needed if payday is going to be changed.

Checking all of the guidelines before reducing any hours saves time, money and headaches. Employees who don't receive their pay as usual are more likely to head to a state or federal department of labor. The wage and hour investigation can result in back pay and hours spent in response, both of which will grow when the inquiry extends to issues beyond one pay day. operates one of the Web's premier business sites, providing practical information and services for business professionals and growing businesses. See more at

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