Remember that credit cards are for things you don’t need with money you don’t have. Do a budget and decide on your plans for the year. It is very easy with the marketing thrown at you to believe you should look like everyone else by driving THAT car, with THAT hairstyle and with THAT suit on.
Taking control of your finances is primarly about the most difficlut task of all – taking control of your life rather than letting marketing take control of it. The alternative is refinance only to move back into debt again and again.
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