credit card tip
only only tip i have for anyone swho has a credit card, pay your full closing balance to avoid interest! aND IF u struggle to do that look at your low rate options or personal loans to pay them out, sometimes on a personal loan the rate maybe 1% higher but it gives u a structured payment plan and it wont get on top over u and much easier to handle. that and provided u cut the casrd up it will stop u getting into more debt/
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