I am not much different from you because I can get the capital to invest in bitcoin is to collect little by little from the results I followed a bounty project so far, although I still have to wait longer to buy bitcoin but if we are sure and not wrong choice with a project that will be able to get the capital to invest in bitcoin, to be honest I am investing in bitcoin I have never bought it directly with the money I have or use a credit card but if I invest in altcoin I use personal money because at that time the market situation was dumping massively and the price of all coins is very cheap.