I, over the past 5-6 years or so, have started 3 work from home businesses. Personalized cartoons, personalized name gifts and personalized greeting cards/invitations. All required start up costs and all that stuff, advertising, web sites, supplies. All have been abandoned. I am now a self employed nail technician. That also required quite a bit of start up costs, besides the education. I have $34000 in CC debt. I am current on my payments, but business is very slow. I am looking at settlement, I think.