'Welcome to the forum Ohm!!' :)
Well, I own 2 credit cards only. I think there is nothing such as having too many credit cards as long as you ca handle them efficiently. Just make sure that each balance is paid off every month to avoid late fees and high interest charges.
I think it is wise to keep your personal and business affairs separate. Going for business loan makes it easier when filing taxes and interest deductions. Plus the loan amount is comparatively higher than personal loans.
Gap insurance covers the difference between your vehicle’s worth and how much you owe on the car. The insurance helps if your car is stolen or totaled (repair cost is more than the car is worth).
I think the main point should be to set a budget. Consider your last month’s expenses from bank or credit card statements. To organize your expenses, you can use an excel spreadsheet. Create categories for each expense in order to set a limit for that category, and also list your income.
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