Rhonda Abrams
Special to USA TODAY
 

 I have to be honest – I’m frazzled. It’s the holidays, and like most small-business owners, December is typically one of the most stressful and challenging times of the year. I not only have all my regular work to do, but I’ve got a number of business-oriented end-of-year tasks, a lot of personal demands on my time, and because the office is closed for a number of days during December, I have fewer days in which to accomplish everything. And I’m not even an owner of …