Mmk well I’m almost positi

Mmk well I’m almost positive that we have some different point of views going on here. bottom line is that if you dont spend money, its not a cost. Time = time and cost=cost. Using the worn phrase time=money to prove your point is a great way to sound like you’re right. But I’m actually in the process of making a budget to present with my business plan to a get a business loan, and in this budget I need to add up all the costs and figure out an amount to ask for. Now if you’re right and my work time is a production cost, wouldnt I have to add that amount into my figures? how much should i ask for…$50/hour? I may not have any business experience but even I know that that just doesnt make sense.