I joined CashCrate exactly one year ago and I must say they are one of the only programs I have come across that pay on time every time.

Over the past year I have gotten an incredible amount of referrals. Let me show you my stats-

Many people have asked me what my secret was to getting so many referrals so quickly. I actually wrote a small ebook explaining in detail exactly what I did step-by-step which you can find right here - Get Paid To Massive Passive Income.

So how much exactly have I made from CashCrate? Let me show you my earnings history-

I highly recommend CashCrate to anyone getting started in making money online. It has really boosted my income, especially in the early month when I was just getting started. If you want to read more about them, you can read my official review here.

The first year of my debt free goal is officially completed. I have one year left to get completely out of debt and I must say, I am excited for the challenge.

I have $51,322 of debt left. I really believe I can pay it all off by April 2009 if I keep working hard and shoveling all of the income above our bare minimum expenses at it.

I was watching Dave Ramsey on television a few nights ago and he said to pay off our debt like our lives depended on it.

That really struck me. I plan to do that exact thing. This is my main focus. I stopped almost all of my outsourcing for the time being and am doing pretty much everything myself.

Once I am debt free I will be able to relax a bit more with my business and outsource a bit more. Thank goodness I will be getting that economic stimulus check this month, which 100% of it is going straight to the debt.

I have been doing more freelance work such as making videos for people to make some extra cash to throw at it as well. So you should be seeing my debt numbers dropping dramatically over the coming months and I am so happy you have joined me on my journey.

I was asked to review a different credit card website and thought it was the perfect opportunity for me to talk about something I wanted to discuss anyway.

We have all probably been tempted at one point or another to start putting our business expenses on credit card. It can be so convenient to get those articles ghost written or get another website set up without waiting until payday.

With all the different credit cards for fair credit out there and available on Request Credit with fantastic promotions and introductory low rates it would seem quite silly not to participate.

The only problem with putting your next website project on your Visa Card is something that most people overlook and that is risk.

What if your project doesn’t pan out as well as you had hoped and suddenly you got a large credit card bill with no money to pay it off?

Suddenly you find yourself in debt. If you do choose to use a credit card for your business endeavors make sure you have the money in your checking account to pay it off before you even charge it.

Be aware that even though you may say, “Oh I will pay it off by the end of the month.” Things can happen that will derail those plans.

Plus, people spend more when they use a credit card compared to cash because it doesn’t hurt as much to spend the money.

Keep all these things in mind and be wise in your finances. You don’t want to end up $72,900 in debt like I did. Please post your thoughts about charging business expenses.