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Thread: Credit?
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Old 12-09-2012, 07:55 PM
dpld dpld is offline
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i saved my money and prepared before i went solo while i was working for someone.
i saved for over three years and even when i went full time i still worked a winter job as well as a night job in the early years.

in the early stages it is too easy regardless of how good you think you are with money to not get caught up in credit card debt.

too many guys think when they start a business that they need to focus on their business full time and they go ahead and quit their job or think working for someone is beneath them now that they they are self employed.

by saving before i started i was able to start out with everything i needed and by working as long as i could with someone in the beginning it kept a steady cash flow coming in.

i am from the school of thought that some of us go to college and some of us go into the trades but regardless of what we choose to do it takes a few years of preparation and working double time as well as sacrifices to make it all come together.
in my late teens and early 20's while all my friends focused on the next party and having a good time i was doing what i had to do and by the time they got out of college i was already a few years into what they dreamed of making with their fancy degrees and some to this day never got that far.

most young people when i was growing up as well as today think that they got to enjoy life when they are young and have plenty of time to get it going and i always felt i got to bust my @zz while i am young so i don't have to do it when i am older and why put off until tomorrow what i can do today.

to get back on topic, if you need to use credit cards to pay for fuel or to finance a job then you are not making enough money with your business and have to do what you got to do and find extra work to bump up cash flow.
using a credit card is not gonna make that problem go away.

and if you need to use a card to get a job going then you need to start getting deposits on jobs because that is the norm in any industry today.

i only started using cards the last 10 years or so long after i was established because what little we use them for today we pay them off in full every month and do not carry debt.

i know you are probably thinking that i been at it a while and how i do things now being established don't apply to you, but you got to realize that i did not invent the wheel in the landscape business and other then working my tail off and following good advice from other successful people in the trade everything i accomplished can easily be done by anyone on these boards.

you just always have to safeguard yourself from shortages in cash flow and accumulating bad debt in the early years because when you are starting out nothing can take the wind out of your sails better then being broke and in debt.

just my two cents, good luck
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