I too had the same money issues you are experiencing through the winter. The first thing I learned on a personal finance level is to pay my bills once a year. I pay my cell phone bill yearly as well as water, electric, cable, internet, and all insurance. I take the previous yearly amount and pre-pay it. All utility companies love it. I do one each month during mowing season. This changed my life and took allot of stress off me. My customers know I always rent a stump grinder in January. I try to do as much mulch as possible in late Feb. as well as any other hardscaping of any kind. I am still doin leaves in my area till Thanksgiving. My customers that have allot of mature trees, I always check for a clean up after a storm and there is always a few in the winter.