This is great advice from Gmood. I dont make a ton of money so i make sure to try to only buy things i feel i can pay at end of month. This is good way to establish good credit habits and good payment history. This is my second chance at credit and im gonna work it for all its worth
Me either my friend. No big bank Hank here.
This is probably my third chance. Yeah I was hard headed and short sighted on multiple occasions. Lol
Time heals and teaches us better ways eventually.
Impatience is one of the biggest killers of credit. Wanting items you can't afford now will get you in a hole quicker than anything I know of. If I can't afford it now. I save the money until I can. 0% deals are great! I use those to.. like my Blispay.
Always plan an escape route ahead of time if/when life happens. That way you minimize the negative impacts on your credit. Run the scenarios through your head of events that could destroy what you've built. Brain storm countermeasures for each event. No one knows the future, so keep an open mind.
We all want to live happily ever after. In this world, that's a fairy tale.