12.16.05
Everythings about debts
This is the section on dealing with debts.
Managing your finances
Remember the objective of having credit cards: we want the convenience, we want the free 20-50 days financing, we want the record keeping services, we want gift points to exchange for gifts. We don’t want fees, we don’t want to pay interest, we don’t want to get into credit card troubles and we don’t want hassle.
Many people think managing credit cards well is the matter of discipline. We partially agree. We know more importantly the existence of a personal system is the key in using credit card effectively without getting into troubles.