Credit cards are tapped out due to projects, score alright but affected by that (low 600's).

They told me that I would have to manually enter every single charge I do on the credit card for the business manually.

Credit card paymentsItem #2. 

I made some rookie mistakes, and a partner got a little greedy, and the deal was blown during final stages of signing.

Plus if you paid by credit card you could always dispute if it didn't work..And I think some insurance companies cover food from bad appliance.

At the end of every month I collect all of my receipts, and my credit card statement, add up all of my expenses and deduct that from my income.

There's a hefty rookie tax for folks that become their own builders. 

A ton of credit cards is not good.

While it's not unusual that places like Lowes/Home Depot will routinely offer appliance sales at 10 to 30 percent off year round,  you'll typically find reductions at 40 percent off during Black Friday.I tend to use Lowes/Home Depot routinely for the free delivery and also because I purchase using 10 percent off coupons and gift cards as payment.Some landlords will wait until January and pick up great used appliances from craigslist (replaced with Christmas presents of new appliances) but honestly, my days of picking up and hauling appliances around are long over!

They'll pay their credit card before their rent so they can charge more.