3. Credit with Caution!

I never use my credit card. Ever. I’ve literally only used it twice in my life. I only use my debit card because that way I always know for sure how much money I have. I think this may be the biggest problem I see people encounter. Credit cards make it easy for people to lose track of how much money they have. So I only use it every once in awhile to make sure I’m still adding to my credit score.

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