I've already taken out a substantial personal loan to supplement my savings when starting up the business. I've thought about looking for angels, but I'd like to have at least just one paying customer before that, so I don't have to completely give up the farm in terms of equity for whatever money they offer.
Yes - I'm single, with no kids, and living pretty much at the level I was when I was a student at uni. It's not a comfortable lifestyle, but it keeps me in food and shelter.