Great article @philip.willemse! I've created my own small business (with a colleague) almost 3 years ago and the thing that saved us so far was your nº2: keep monthly expenses as low as possible! No fancy cellphone, no fancy décor, just the basic to keep the thing running :)
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Thats awesome that you guys are still in the game :) if you dont mind me asking, what type of business did you start?
Psychology and Neuropsychology services. A difficult business to maintain but if we keep our marketing going on and our low expenses, I think we can continue growing. Also, word-of-mouth is really important around here!