Actually, credit cards are not that bad, but it also has to do with you as the user and how you handle your virtually endless spending limit.  If you are able to keep spending under control, you can take advantage of the many pros to using a credit card, of which it could be argued to be used for every purchase.  Using instead of a debit will help avoid your bank account getting depleted during a fraud attack, you can get a bit of a grace period by charging this month and paying back next month, … [Read more...]

While splurging on car accessories for girls might be a fun daytrip to spend some extra money, it may not be a good idea to continue that practice if it means jeopardizing your emergency fund, paying off debt, funding your retirement account, and even more importantly, hurting your credit score which could be costing you hard-earned money each month, let alone what that could add up over the course of months or even years.  If your credit score has not become a priority, that should be your next … [Read more...]