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It's Credit, Not Cash! | Payne Capital Management
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It’s Credit, Not Cash!

“Are the points worth it if you have bad credit behavior? I would say no.” – Smart Women Invest

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It’s easy to swipe a credit card.

On our way to work, we pass Starbucks, and think—why wouldn’t I hand over this piece of plastic to get a mocha latte? Over time, however, this adds up and we’ve gathered thousands of dollars in expenditures by making these decisions. This is the dilemma of having a credit card.

That’s why on today’s episode the $mart Women Invest podcast, we are discussing credit card behavior and debt. Often we find ourselves spending freely, only to be met by a bill hitting us across the face.

Tune in to this episode to learn how to appropriately situate credit cards, so you can spend the right amount.

“Check your credit and fight if you think something isn’t right with your credit.” –  Smart Women Invest

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Points to Keep In Mind  

  • Research shows people underestimate their credit card bill by 30%.
  • Use Credit Karma to track your credit without having to pull your credit.
  • Some credit cards allow you to transfer balances to new credit cards.
  • Limit your expenses by bringing cash to nights out and ending festivities when money runs out.
  • Read Faith Harper’s Unfuck Your Brain.

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