Pat,
"Gonna have to start cutting overhead somehow."
Yup, just cut your overhead, give up some of those frills, like your insurance coverage, stop wasting money on truck maint, Find a cheap Accountant and do your own payroll, Cut back on ad's , print up a flyer and take it door to door, cancel your comp insurance, what's chances anyone will get hurt, Oh don't use call forwarding or any phone features they cost too much, just put an answering machine on line, customers like them.
If your rate is a little higher then others, it may be possible, you have some needed expenses, that they do not have, so compete on good service, not price.
