…presented here for anyone who might need them:

  •  If the transmission dies on your car, don’t bother with getting it replaced. Instead, take this as a Sign From God that you are meant to trade in that car for a new — and different — model.
  •  If you are a freelancer, credit cards are the work of the devil. Nevertheless, if you are a freelancer, you will almost certainly need to have at least one. None of the ways out of this dilemma are optimal.
  • If you’re a freelancer, pay up front and in cash for whatever you can. There’s never any guarantee that you’ll have the money in your account later.
  • If the thought of having a poor credit rating makes you feel all dirty inside, you’re probably better off not trying for a freelance career in the arts or entertainment industries. Keep your day job and do the art on the side.
  • And if you can’t work a day job and still make time enough somehow to do the art you love, you probably don’t love it enough to do it full-time, either.