Recently, I got hammered for a blunt comment I made " If you can't buy it for cash don't buy it". Below are some of my philosophies on money both Personal and Business. I would like to see if there are more weirdos like me. What are yours thoughts on money? I can see that my "pay cash" comment was a little too blunt for the more "sensitive" members of the site(my bad), so I will expound on my comment. I would hope that part of your business plan would include setting aside money for emergencies and future equipment purchases, if its not, it should be. The crap advise that you are receiving from bigjames and others are the reason there are so many bankruptcies now. Bigjames's plan is obviously working for him, i.e. "I got some real bad stuff on my credit". You wouldn't take lawn care advise from someone with a dump for a yard so DON'T TAKE FINANCIAL ADVISE FROM BROKE PEOPLE. It was Dave Ramsey that said "A child does what feels good. An adult however, delays pleasure, formulates a plan and sticks to it. Using credit is a childish way to fix an adult situation." Buy used equipment if necessary, sell some stuff you don't use, have a garage sale, whatever. Formulate a plan (that doesn't include credit) and stick to it. If you fail to plan then plan to fail. And Your right credit is normal. The average American has over $8000 on a number of card and that doesn't include the other money pit "cars". Yes, that's normal. Who wants to be normal, I would rather be weird. Weird is: Being debt free Having 3 to 6 months of expenses in an emergency fund Investing in retirement accounts - 5% of income in company match 403b and 10% or 3k a year in a Roth IRA for me and the same for my wife Planning for your childs future - Educational IRA's, UTTMA's or a Mutual fund so if they don't want to go to college they have money to pursue their passion - like maybe a Lawn Business Paying of the house in 5 to 7 years and not 15 or 30 Making over 95k but living on 50k to 60. Most of all weird is "Living on LESS than you make" so that you can do all of the above. Your intelligent comments are welcomed.