So I'm surfing this morning, blogging ... all that jazz. Then I see a blog on Pet Peeving that catches my eye, and it's a good one. I don't talk much about running a small business around here, but when I do, I got two words for ya, baby: debt free.

It ain't easy to be a small business owner, and owing a pile of dough to the bank when you're not turning a profit is a recipe for cement shoes. Do it for too long, and you won't be offering small business services for very long. If you need tips on how to start, listen to Dave Ramsey or check out the Small Business Administration site.

Dave talks about it at live events and on The Dave Ramsey Show ... he started his biz in his living room on a card table. He didn't need to pay off debt, 'cause he didn't have any. Create a budget? He did that too, and didn't spend what he didn't have or save. Do the same and get ahead. Simple, simon.