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It’s great to have dreams. You do not have to give up on your dreams. Life will beat your dreams out of you soon enough.
A very wise man once said-
“If the dream is big enough, the facts don’t count!”
(BTW- this man is a multi-bazillionaire!! Don’t know the numbers, but you should see this guy’s house… er, houses!)
My husband and I are in a similar situation- crappy credit… You have a job- start nibbling at the debts you have. I know- it may take a while, but start working at it. If it takes a 2nd or 3rd job to be able to afford it, do it!! That’s what my hubby and I are doing.
Feel free to contact me for more info….
One piece of advice I can give you is: Never borrow money to start a business. 86% of businesses fail in the first two years. If you can’t afford to save the money to start with cash, you can’t afford to pay money back WHEN the business fails.
I say ‘when’, not because I think that you will personally fail, but because statistics are against you. YOU should be thinking ‘when the business fails’, so that you will be prepared for the worst case scenario. If you are not prepared to fail, then you are not prepared to start.
You can buy an old van for $1,000. Go to every auction, even though you’re not buying. You’ll get to know the faces and bidding strategies of the regulars, the average prices, etc. Know the business inside and out before you invest a dime. Instead of buying the van, you could re-rent the same unit and sell out of it. Take stuff home as you put it up for auction.
The best advice I can give is to go to. He is a financial counselor who has a radio show on 260+ stations, nationwide. Find a station near you and listen to his show. He has been on 60 Min. and Oprah, and Dateline. You may not like to hear what he has to say, but his plan works. This is not one of those buy-real-estate-with-no-money-down schemes. It’s old fashoned wisdom.
He explains how to accomplish things without EVER borrowing money. There is no magic spell and Ed McMahon is not coming to your door. It just takes discipline and hard work.