Money Saving Advice
It is prudent to learn money saving techniques and to save more than you spend. Don’t ever fall into the vicious cycle of spending more than you earn and find that there is little money left in your bank accounts. While most of us have our own credit cards, try not to maximize it if possible. Avoid buying on credit every time and avoid using the maximum amount allowed in your credit cards. Otherwise, in a matter of time, you may find yourself looking for other loans to service your credit card bills. I know of some colleagues play around with credit cards payment by using another credit card to pay off the loan of the former credit card and it goes around like musical chairs. It is like Card A pays Card B and Card B pays Card C and Card C pays Card A in a merry-go-round cycle. If you have any necessary loans like paying off your mortgages on a monthly basis, then by all means make sure you have sufficient money each month.
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