I am a big fan of credit cards and I think it is important to understand the pros and cons of having a credit card and how to manage a credit card responsibly.
If you carry on hating on yourself for the mistakes you have made in the past, then you will get nowhere.
One of my best friends said to me this one time: ‘The thing is, I need to keep my credit card, you know, in case of an emergency...’
It is clear that there are 3 top rules to follow to keep you out of debt and on top of your finances:
Time to get serious with y'all... I had an eye-opening conversation with a friend recently