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If you have
Debt And Credit Counseling that are not being paid in full on a monthly basis, then compound
interest is going to be your worst enemy. On the contrary, should you have retirement accounts that
are being added to on a monthly basis the “eighth wonder of the world” will be your best friend and
allow you to retire sooner than just keeping that money under your mattress.
Nothing beats paying your credit card bill on time and in full to quickly get rid of accumulating interest
on past purchases. On the other hand, if you do not have sufficient funds to pay off your credit card
bills in full, make it a point to pay above the minimum payment requirement. By lowering your
outstanding balance, you improve your own credit score.
As soon as I turned 18, I headed out to one of the banks with all the flashy cards and big fonts
marketing these so called credit cards. I figured that if so many people around me are using plastic
money, it must be a very good alternative for me to consider. Since my parents were not really giving
me much money to begin with, I decided that using a credit card to get what I wanted right away
didn’t seem like such a bad idea. After all, the credit card companies even claimed to give a
reasonable amount of time for paying off the balance.