Credit card, who don’t have it? It provides us easiness in shopping; we don’t need to bring much money when we want to buy an expensive product. It also gives us reward points that can be used for shopping the next time. We can also buy products or services, use it, and pay it with 0% installment. But, the advantages of using credit cards don’t stop there. read more »
It is not easy to manage money nowadays. The living costs increases continuously so we have to be careful in spending money. The challenge will be bigger if you live in the big cities than if you live in the towns or countryside, because most stores market their products very well. When we go to malls or stores, we often buy products and services that we don’t really need in which it consumes much of our money 
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Well, just like in the decision-making loans or credit. Since we will sacrifice our buying power in the future, should emphasize loans or credit on its main function, according to our needs. First patient on our desire is to obtain additional functionality. read more »
Debt trap begins when we are not aware of our own capabilities. Because convenience will borrow or take loans, make us forget our obligations in the future to pay the mortgage. Large outcome instead of the income is a serious threat if we are less vigilant. read more »