Read Susan Sobbott's recap of OPEN's series on women entrepreneurs shaping the future of business, and join the conversation on Twitter.Although there’s a cautious sense of optimism these days, Americans still have their minds on their money, according to three recent polls, which found that financial issues are still the number-one worry keeping both consumers and small-business owners awake at night.1. Develop new payment options. Help customers make the most of their limited budgets by offering them a wider range of ways to pay. This might include monthly payments; ongoing subscription payments; installment payments; discounts for early payment,