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Old 01-30-2013, 02:13 PM
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CHEESE2009 CHEESE2009 is offline
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With the right amount of pacing in this field, you shouldn't need a loan.

I understand that a vehicle is a pretty big necessity and it's easy to get ahead of ourselves, but you're better off asking family to help you with the repair bill versus the banks.

If your family is unwilling, you're better off purchasing a working vehicle by working for someone else longer to make money, before going into business for yourself. You will have a greater advantage than starting near bankrupt.

As for making 10K per your first season, congrats, this is normal for those on the right track; however, $10K turns into something like $8K after taxes, and then that can turn into $4-6K with operation costs alone.

From what I'm assuming, your business is safe, but there isn't a lot of money going into your pocket, and you don't have the ability to afford new purchases yet. There's no need to rush for you.

If you're really hurting to get a vehicle so that you can supply your current clients, any vehicle will do so long as it can last you at least a year.

Pick up a junker for $1k of kijiji or craigslist maybe?
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