Fitness Trainer,
I think one of yoru problems is that perhaps you are focusing too much on global problems. You are trying to solve ALL your problems at once.
I'm going through a rough time in my business right now. I'm coming out of my slow time of the year and while business is picking up, making orders is difficult right now, yet if I don't make orders, let alone buy inventory, I'm out of business. If I focused on all of the problems I'd freak, shut down, do nothing and be out of business in a week.
So, I focus on small things and solve the small problems one at a time. Make TODAY'S order. Then worry about tomorrow's. If there's a little extra money, order inventory.
If you solve the small problems, the big ones will take care of themselves.
You need $500? Open a checking account with $100. Then put $20 or $30 a day in that account. In a couple of weeks you will have the $500 to get certified.
After that, continue to put $20 or $30 a day in that account. Use that money for advertising or business cards.
Solve the little problems and before you know it the big ones will solve themselves.
Pat