Lesson 8: Use Your Debit Card
Use a debit card, not a credit card. That way you don't risk getting in over your head in credit card debt—a problem that plagues more than half of adult Americans these days.
Do it, say this, and sound smart: "Oh, I use a debit card most of the time these days. That way I never have to worry about being surprised by bills."
Next: Clean house and organize your paperwork.
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