Frugal Tips 2 : STOP ! Using credit card


The most important thing you MUST do is quit using your credit card. DEBT is a DISASTER. Do you know the fact that who are using a credit card will face continually debt on unnecessary thing? Furthermore, there are some people who don’t know how to survive without credit card. Why? It simply is caused all their basic NEED was actually managed by a card. So, just imagine how some people trapped in debt just for food.

When using a credit card, you will end up paid an item or service at higher charge. There some people claimed to use credit card ONLY for emergency case like hospitalization. But how many percent people can control themselves not to use for others purpose. People may trap in a situation where they don’t know what is really necessary and what is not.

You will find that you don’t need to rely on this card, if you manage your financial wisely. Allocate some money for saving and emergency back up. Do not use your saving as emergency back up. Saving is your future during retirement.