My suggestion is do not start a buensiss if you do not have a start up.  Also have a savings if you run in to trouble you should have a plan b.  There is a very wise guy who I consult for advice his name is Dave Ramsey and he has a website.  I suggest you get advice from him ever since I did his course, my life has been less stressful.  I used to come home stressed to my family.  My wife was tired of hearing me complain because I had no savings and everything I earned would go to bills right away.  I made some life changes with Dave Ramsey and really it has changed even my relationship with my family and I have a savings. Before this I had my own buensiss self employed as a carpet cleaner.  I had my own equipment.  I worked until I made the money to buy my equipment.  I make more money now as a bank teller supervisor than I did as a carpet cleaner. I have more time for my family and the budget works for my wife too but she was the one who sent me to Dave Ramsey in the first place.  Was this answer helpful?