The Society for Human Resource Management (SHRM) reports that companies with fewer than 50 employees can save anywhere from in time and labor costs annually by hiring a professional employer organization.

$5,000 to $50,000

Explanation:

The reason is that it costs more to hire a human resource manager for recruiting the desired person from the pool of professionals. So company that contracts with human resource organizations will effectively manage its costs associated by hiring a professional employer organization rather than having its own human resource department. The reason is that small companies hire  5 to 10 times a year so its not necessary for the organization to maintain a separate department which costs more than $60000 a year.

if i need to borrow money for anything, it would be for something like a house or an apartment but, that depend on the situation.

is this good enough?