This was a good article. I always tell people to put even $5 a paycheck in their retirement account if that is all they can afford. Credit cards are a necessary evil You should have at least one for diversity on your credit report, but they can lower your score if you use them too much.
Thanks for sharing it! I don't know about credit cards, I believe it's a cultural things because we should actually live with what we have and not on credit.
Yeah, they're terrible for that. I've heard of so many people going into debt because of them. I try only ever use a debit card when I'm shopping to avoid that whole thing altogether.