VA is one of the most attractive businesses if you can market yourself the right way. Once you start getting clients you can make money immediately. But if you are planning your business budget, then remember you don't have any overhead expenses as such. What you need is your laptop and a reliable wi-fi connection along with your excellent creative and administrative skills. Once you are all set and revived your first payment it is highly recommendable to reinvest your money in short term expenses like, 1. Website 2. Business cards 3. Internet or computer up-gradation 4. Education or training programs 5. Accounting systems, etc