Getting out of debt to myself

A question about : Getting out of debt to myself

I hope people don't mind if I post here, as I don't owe anyone else any money.

I am doing this in the hope that it will push me to work harder at my small business. I'm not a natural businesswoman, but I am passionate about my complementary therapies.

I have invested a considerable sum in my training and start-up costs and I have on-going costs whether I have clients or not.

I've never been great with money (it's not a big motivator) but I worked hard to get out of debt a while ago and put together some savings. I am now solvent, but at risk of losing my hard-won savings - which I invested in my business - through laziness, apathy and a reluctance to promote myself.

So, I (my business) am in debt to me. I plan to calculate the whole sum from when I first decided to train and give myself a fixed period to pay it back.

(It won't directly relate to my accounts as a lot of it isn't claimable against tax).

As well as sorting out my business, I will be looking at my personal finances too, as I am using up savings and a small bequest.

Not exciting for anyone else, but an overdue kick in the pants for me.

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