I have about 30% of my kit built so far. I have my website (with a 12 photo portfolio) and business cards, but I don't have most of the products I need yet. I work in retail and right now I'm just working to build my kit and then retail can kiss my butt (with the exception of MAC, I want to freelance for them while I do my own freelancing). I just cant do it anymore, working my ass off for next to nothing retail pay. I'm so frustrated at how much more products I need before I can start booking clients and such. I'm thinking about taking out a personal loan , just for $1,000 to complete my kit so I can start working ASAP. Would that be crazy?