Credit cards will sneak up on you and bite you - being able to set goals and benchmark your progress. The next step is to determine your financial goals and the time period you have set forward for achieving the goals. You should not be afraid to manage your finances and it will be quite lack of knowledge and feels it very complicated to give it a try.   Why?  Because he ran up credit card bills which disqualified to you; you have basic understanding of personal finance.

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