Hi all. I'm debating two scenerios with starting my business and I wanted to think what the experienced folks thing... Quick background info that won't change with either scenerio.. I'm scheduled to collect an 18k bonus in august, after taxes and other expenses I expect to have 7-9k to spend as I please. I will get a 2nd payout in February of about 4-5k. I have a good job, that pays well, and I only work Friday Saturday and Sunday. This gives me 4 days a week to work on building a business without NEEDING it to pay what I will call my "standard of living bills" We build a new home on 5 acres last summer and I have quite a bit of debt, which only leaves about 200-300 a month after bills/expenses as "play with money". .... Ok....Here is scenerio #1 that I call the play it safe scenerio In August I would use my bonus pay off three seperate debts that would free up 400-500/month in income. With this new-found income I would purchase a new or slightly used k2500 or f250 (god forbid). In February I would use my bonus and any savings to purchase a trailer, blower, trimer, edger and commerical push mower. I would use my income tax return (probably ~4000-5000) to buy trailer/trucks signs and lettering, shirts, lic, insurance, door hangers, new paper ads etc. At that point I would have alot out of pocket, but nothing that is negatively effecting cash flow. As the season gets closer I would buy either a wb with a sulky or a commercial Z on credit. At which point the mower payment would be my only debt, and the only thing negatively effecting cashflow (aside from operating costs). My thinking is that even with 4 days a week to work, and only the mower payment, I should be able to survive the first season or two as I build up clients. If the business comes slow I'll only have the mower payment. If I end up with more business than I expect I'll already have the right equipment for the job. The downside of this plan is that it doesn't get me started until next year, and as everyone knows alot can happen in a year. Scenerio #2. I have great credit, and scenerio #2 involves using that credit. In this scenerio I would get a demand note to pay for the trailer, and smaller equipment, I would use dealer financing to pay for the mower and I would have to earn twice as much to pay for the truck payment and mower payment until August when my bonus came. The bonus would pay off the demand note and leave me with a couple thousand to make payments with during the winter months, until my February bonus arrived. With the february bonus I could finish paying off the mower (from the dealer financing) and would leave me with a truck payment only. There is more risk involved here, because I will be taking on debt for this coming winter, without paying off my existing debt...again my current job pays for my existing debt, but the business will have to pay for any debt that I take on this year, which is fine if business takes off fast, but if business is slow I could lose it the first season. I know there is probably not enough info here for anyone to give me the "perfect" advice. Just looking for thoughts from the experienced pro's on what they would do in a similar situation. My gut tells me that scenerio one is much better, safer and has the potential to earn alot more money...but my pesimistic side says "yeah...sit through another summer and you'll be here asking the same question next year, planning for 2009".