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Starting up a business takes time, patience, and a lot of money. Unless you are swimming in cash (which most of us aren’t) you need to take out a loan to get all the money you need to buy your products, your store, and even some advertising. But getting your hands on that can become daunting and you’ll notice that it is not as easy as most people make it out to be.

When I got my first loan I was scared that it would take me years to pay it off and that I wouldn’t be making enough to pay it off from month to month. When I did finally pay it off – a year later – I was so excited and happy to be rid of it. It always feels great to be able to pay something off because it frees up more money that you can use for other more important things.