Credit

Credit cards can be a great tool if used properly. I believe you should be able to pay off the balance monthly, unless it's a large purchase that was budgeted for, or an emergency. If you do have to use them, always try to find the best credit card offer that is available, be it lower interest rate, zero balance transfer, and work it to your advantage. There are a lot out there, so a little research on the best interest rates can save you a lot of money in the long run.
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