For those who just started working, you may be easily tempted to sign up for a credit card, feeling ever so powerful because you’re earning your own keep.
THINK REAL HARD and have an accountability partner who will remind you if you’re spending too much. There is nothing wrong with credit cards, but take caution because it may end up controlling you. Do not be enslaved by it and drown yourself in debt. Use it wisely.
Should you need to use that piece of plastic, make sure that whatever you charge is something you can easily pay off with cash. Pay your bills on time and in full, as much as possible. Rewards offered by credit card companies can be very tempting, but again… think and pray! Do you really need it? Do you really have to go on that trip? Is it a matter of life and death?
Have a great Friday!
Ingrid Nieto-Pagulayan 