It’s time for small business New Year’s resolutions. Here are 10 to help you manage your money better.

1.    Read (or reread) two books on better managing money in your business and personal life. Here are five suggestions:

• The Only Investment Guide You’ll Ever Need, Andrew Tobias. An accessible, sensible, irreverent and no-frills guide to making and keeping more of the money you put aside to make more money.

• Business Plans for Dummies, Paul Tiffany and...