Debt
Ever since I began college, it seems that credit card companies will not leave me alone. I get junk in the mail constantly from all kinds of companies trying to get me to use their credit card. My mom said that when she was my age...it was next to impossible for people to get credit cards. It's no wonder that people fall behind on their credit cards and get in serious debt and trouble!! It's so easy to do if you're not careful! The smartest thing to do when it comes to a credit card is only use what you know you can come up with during that month. In other words...don't spend the money if you can't pay it off at the end of the month. This a rule of thumb that I've always used and it's worked so far. Otherwise using credit cards can get way out of control. I personally think it's smart to just have a credit card in case of an emergency...otherwise it's too tempting to use it when it's not necessary.
