Healthy credit habit: 3

Pay cash for smaller items and use credit for larger purchases. Taking out a loan or store credit to purchase smaller non-durable items should be avoided. Rather save up for a few months and pay [...]

Healthy credit habit 1

Don’t over extend yourself; borrow only what you can afford to pay back. A guideline is to borrow up to one-third of your monthly income. This includes home loans, credit cards, short term loans, [...]

Healthy credit habit 2

Budget A budget is your financial plan for a set period. It could be for a month or a year. A budget lists your income earned from your salary and all your monthly expenses. A budget is a tool [...]

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