Instead, commit yourself to getting out of debt. Map out a strategy for paying off your bills and living within your means so you never find yourself in this humbling position again. There's a five-year plan to develop, financial statements to compile and potential clients to lasso in. Until her business is established, the smart new entrepreneur keeps her head above water by finding creative ways to bring in extra bucks and stretching those bucks until the eagle groans. Sometimes, when the going gets rough, she even goes back to punching a clock.
Cell phones can be expensive.
Unless you cannot conduct your business without one, get rid of it. Keep personal long distance calls to a minimum. Shop around for the lowest rates. Keep it if you need it for clear TV reception, but get rid of anything you have to pay extra for. Speed walking is cheaper and will help keep you in shape until you can afford monthly health club payments.