The answer is:
You want to use your credit cards.
You do NOT want to carry a balance.
Want to know an easy way to do this?
Use your credit card for your normal expenses- utilities, gas, groceries (but be careful not to use it as an excuse to go overbudget), etc.
Then pay it off, in full, every pay day.
Bonus points if you use a rewards credit card. It is like getting free money (but only if you do not pay fees or interest).
The How To Be A Money Master program and website are made available for educational purposes.
Disclaimers
Your Financial Educator is a mentor and guide who has been trained in money management, finances, and investing. The intent of this Program is to help you reach your financial goals by providing information and resources, as well as helping you understand, devise and implement positive, sustainable fiscal lifestyle changes.
Personal Responsibility
By clicking on “I Agree” below, you agree to take full responsibility for the fiscal health and wellbeing of yourself, as well as your family and children (where applicable).
You are also agreeing to release the Financial Educator from any and all liability, damages, causes of action, allegations, suits, sums of money, claims and demands whatsoever, in law or equity, which you ever had, now have or will have in the future against the Financial Educator, arising from your past or future participation in, or otherwise with respect to, the Program.