Tammy Gray, Business Consultant

12/26/2025

New project in the works and details are starting to come together.
Follow me on Instagram at 😎CEO.By.Design

This is a content channel for entrepreneurs to scale and grow their business by design

11 Followers, 46 Following, 1 Posts - See Instagram photos and videos from Tammy Gray (.by.design)

05/01/2025

Happy May Day 💐

My Acct Rep @ the primary company I use for employee benefits just called.
As of May 1, my company has been moved to an even more favorable pricing tier. 😎

So, the rates that were already lower than most are now an additional 8% discount!
(Every company I have quoted has saved money)

That’s like giving your employees a raise without the added payroll dollars or payroll taxes.

If you currently have an employee benefits package for health, dental, and/or vision—- then let’s quote via my preferred source and see how much we can save you.

If you DONT currently have benefits, then let’s take a look 👀
You can begin with dental & vision at highly affordable rates.

02/22/2025

What are you prepared to do to be successful and see your vision come to reality?

Excellent question

https://www.facebook.com/share/v/1C9PnbwZAz/?mibextid=wwXIfr

11/09/2024

This is getting interesting

A Fairfield couple had their home insurance policy canceled because of a photo taken from high above their residence. They called Kurtis when they thought th...

03/17/2024

Did you know…..
Employers with 10+ employees have access to affordable employee benefits AND 401k for owners and employees???
Yup.
Reach out and let’s chat about your options.

06/29/2022

Business owners:
Be sure to view resources and best practices for managing compliance with this new law.

You’ll want to maintain separate accrual accounts for PTO and Sick Leave.

Sick Leave can only be used when requested by the employee and only for approved reasons as defined in the law.
(It’s a good practice to document the request to debit their paid sick leave account in writing)

Need more tips for navigating the complex world of HR?
Let’s talk.
There are resources available to keep you compliant and save you time & money 😉

https://www.abqjournal.com/2511692/new-mexico-paid-sick-leave-law-set-to-take-effect.html?fbclid=IwAR1DNTSN3Nml2iex6ztvJXsfoQ4NxrKNB3f-_LrvAYCWcdpF80CIbGcdCao&fs=e&s=cl

The Healthy Workplaces Act applies to all private businesses

06/19/2022

Concerned about keeping up with the ever-changing HR landscape?

Worried that you might get something wrong by not following all of the rules?

HR is complex and full of areas where you could make costly mistakes.

If you are a small business owner and wearing too many “hats” in your company, perhaps it’s time to have a conversation about how we can help you.

A New Mexico workplace wellbeing consultant and a workers' rights advocate speak about their approaches to workplace inequity.

06/17/2022

Business owners:
Recession is in full swing~
How do you save money AND put more money in your employees paychecks?
Easy—
Change your health insurance benefits.

We have options I am confident you have never had presented to you by your present broker.
Let’s chat.

06/15/2022

This will be a bookmark in history~
Just like before / after COVID.
It will be before / after economy of 2022.
Business owners, hang in there!
Manage cash flow and work on storing up cash reserves.
Cash can become a secured line of credit in a pinch.
Refer also to the book Profit First.
Now more than ever, know your numbers and know where the money is going.
It’s gonna get tight.
Credit will get expensive.
Learn how to operate without needing a lot of credit.

More tips and strategies available.
Check in for a free consultation.
I’m highly motivated to help our small business community succeed.
You are the foundation of our economy. 🥰

Raising rates by less than 75 basis points will disappoint investors, and show that the Fed is “wedded to procedure rather than responding to the data.”

06/05/2022

Todays read
Highly recommend!

Best tip: Habit Stacking
If you are trying to add something to your routine, add it to something you already do regularly, without fail.
For example— while Im having my morning coffee, BEFORE I open my laptop and check email, I will ….
Don’t let yourself go to the next habit (opening laptop to check email) until you complete the newly added habit.
He has an easy 4 step method to add a new positive habit or stop a negative habit.

Lesson learned about habits:
The word identity was originally derived from the Latin words essentitas, which means being, and, identidem, which means repeatedly.

Your identity is literally your “repeated beingness.”

You can change what you repeatedly do and therefore change your life.
All from one easy little adjustment in habits.

Check out this great listen on Audible.com. The number one New York Times best seller. Over one million copies sold! Tiny Changes, Remarkable Results No matter your goals, Atomic Habits offers a proven framework for improving - every day. James Clear, one of the world's leading experts on habit fo.....