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Using Credit Cards the Right Way

One time in college, Kristi made a big mistake with her credit card. She knew better, but didn’t think the one big splurge would lead to years of interest charges.. Ever since that experience, she lives by simple rules for her credit cards.

Kristi keeps a strict rule that in order to use her credit card, she has to be able to pay it off at the end of every month.

She knows that credit cards aren’t themselves evil, and it’s ok for her to carry one as long as she’s responsible and disciplined to keep her budget.

In fact, her budget is really what makes carrying a credit card possible. She used to hate budgeting, but now knows that it’s way better than feeling anxious from not budgeting.

You can do this!

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