Ever bought something on sale with a credit card?

If you're a blue-collar worker making $50,000 and carrying $20,000 in debt on cars and credit cards, a $7,000 roof can be devastating.It also depends on the number of units.

I am hesitant to open a credit card as there is an annual membership fee. 

. : Car insurance rate, cable bill, kids extra curricular activities, vacations, credit card bills, restaurant outings.

In case of an emergency, I can utilize 0 interest credit cards, short term loans etc. that would help keep me going until I am able to get back on track.

Funding the project wasn't an issue but I underestimated the cost of rehab so I had to get loans from credit card (0% interest for 15 months), it did drop my credit I hope that it will bounce back once I pay it off.

I am looking at starting a company with an initial investment of $50 and the option to deposit as much as you would like at anytime with no minimums and an option for debit/credit card linked account for round up automatic transfers.

I keep the reserve in case there is a bad storm and I end up needing 5 new roofs in a single month.Also, I guess it should be said: always pay down high interest loans (like credit cards) first!

Set up Business checking account and get a business credit card? 

We push the credit card system that our software provider (Easy Storage Solutions) provides, and we tell them we take checks or money orders as well.