Dilemma: Premium or Business

I have a dilemma that is plaguing me about my renewal in March.  Do I downsize to Premium or continue with the Business which is actually a waste of money since I do not have a “Business”?  I am looking to downgrade, I am not really smart with this WP program as many can tell.  I play with it just to see what might happen sometimes.  If I should get results that I am happy with then great, now how did I get there?  My old age kicks in and I am lost for a few minutes or days.  The main thing is I do not want to lose friends in the change.

Knowledgeable comments appreciated?

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