Stop Using Credit Cards as a Loan

Most people see credit cards as a free loan but it really isn't. Most countries use credit cards in order to build a good credit score however in order to get out of deb, one must:

• Assess their financial health and track their incoming and outgoing cashflow
• Negotiate lower interest rates with your bank or cc provider
• Make extra payments to your loans when more money come in
• Live on a temporary budget when debts are overwhelming; and
• Cancel all your unnecessary memberships and other spending habits that make you bleed