*credit cards*

I’m pretty conservative when it comes to credit cards. I only have one credit card, and I don’t plan on getting any more. Credit is a great thing, but only if it’s used wisely. Your credit limit is not extra income. However, if you use it wisely, your credit card is great way to pay for purchases without carrying cash around. Pay off your balance every month. Keep track of your receipts (that way, you will always know how much you owe). When your record of your credit card balance reaches your monthly limit, quit spending money. I know it is a lot easier said than done, but in the end, keeping track of your credit will pay off with a better credit rating that will affect you in many other areas of your life.