2. Emergencies

• You feel the need to reward yourself after a hard day of work by buying new clothes/accessories or eating out.
• Lifestyle creep controls your expenses. When your income increases, you buy a new car or a more expensive house.
• You reserve your credit card for unexpec...

• Reviewing your credit report and your credit score regularly can save you money
• Keep your credit use below 30% of your total available credit, as it can ding your credit score. You calculate it by dividing the total amount on all of your credit cards by your tota...

In case you have a lot of debt to shoulder, start paying off the most expensive one. 

The credit card has been regarded as the most expensive form of debt. As soon as your salary gets credited each month, pay off your credit card balances in full. Don’t fall for the lure of paying off the m...