Let's face it, as a small business owner there are some luxuries that you just can't afford. However, there are some things you can't afford not to do right. A well-designed network goes far beyond something that just "works". In our experience, most small business networks lack even the most basic of security and backup measures that could compromise your entire organization.
If you answer "no" or "I don't know" to any of these questions, your network needs work.
Remember, preventative measures are far less costly than trying to recover from a major disaster. If you think you can't afford to design your network, backup, and recovery solutions properly, think about what it would cost if you had a failure in your server's hard drive (or maybe even your desktop's if you don't already have a server) and the data is irrecoverable? What about a virus that sweeps through all of the desktops on your network and renders them unusable?