Treat credit cards as you would debit cards—only spend money you have in the bank. If you can't afford to pay your balance in full each month, you're living beyond your means. In financial counseling, it's surprising how often people rely on credit without the means to pay it off. Emergencies happen, which is why building an emergency fund is crucial. #SmartSpending #CreditCardTips #FinancialCounseling #EmergencyFund #LiveWithinYourMeans
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