Re: how you manage your money?
I've sworn off credit. I just can't be trusted.
If I need something, I save for it. If I save up, no one can repo it or hassle me later because it's mine.
Also, cash negotiating can OFTEN get you discounted prices. Flash the cash and sales clerk's eyes light up. Cash is power!
Credit I'll save for important things like a mortgage.
To me, there's good credit and bad credit. Credit cards are bad. For me, anyway....
I invest in safe methods and take the dividends and split them between low, med & high risk. Because they're dividends, they're the 'gravy' and my original investment stays relatively safe.
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