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Layering could be done using glue and keeping all layers flat; however may refine create a shadow around your layer by using foam dimensionals that will heighten the layer across the previous surface.
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Your marketing material (e.g. your business card) in order to be address points 3 and 4 overhead. Your marketing strategy to be able to cater for points 1 and 2 above.
But if you can handle credit then credit cards can hold many advantages of you. If you think you can but can't trust yourself, speak on to the lender and order a low limit. Because hit that spending limit the card stops doing your job.