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@billbennet Short answer yes. Long answer it depends on the nature of the business and the clients you are trying to work with. Order generation on average will care more about appearances and if you are working business to business the expectation is to look more professional. Corporate and...

@sarahrachel Clear you credit card and overdraft. Most banks I spoke with didn't care about the Student Loan since it's interest free and a wage deduction. You would also want to save for a couple of months preferably about the amount you would have to pay towards a mortgage.