Two years ago, I took out a lease to own contract with Dell computers for a laptop, software, and digital video camera for my training company. I needed the equipment, didn't have the money to buy it outright, and didn't want to use a credit card to pay for it. I didn't splurge by getting...

Well, I just got paid from a corporate client for my training business. Phew. I have had no income for about a month, and have been really stretching my pennies and living off savings (but NOT living off credit, for the first time in the past 20 years or so when in this situation -- why do I always get...