This BLOG chronicles my experiences as a parent and of the new things I learn along the way as I take upon this role of raising responsible, loving, happy and intelligent children.
Having a credit card can be both good and bad, depending on how one uses it. A responsible owner should know what he’s supposed to do, paying on time, paying the interest, maximizing its usage, how to get free credit score and the likes. If you’re really good in using it, you can even get freebies sometimes. But there are some that abuse their credit cards too. They use it as if they have all te money to pay for everything they spent for. I know some people who have accumulated big debts while some are just paying the interest fees every month coz they can’t afford to pay for the principal.
Which group do you belong? Oh no, don’t ask me coz I don’t have a credit card, I only have a debit card. It’s better that way so I won’t be tempted when I am window shopping.
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