If you can afford a computer and internet, then you can afford to invest in yourself and your business. Take a look at where you are spending your money. If you can find .60 a day you can by 9 TCredits which gives you 918 pts. If you are doing your part by maxing out your to do list Every Day, then you should have enough points to get to EA level.
If not, the world is not going to end and keep working to get there next month.
