How to improve your finances when you’re stupid

Don't sip champagne when you're thirsty

Nothing and nobody touches your credit card, even you: No subscriptions, auto payments, nothing. Do not buy anything on that card you can’t pay off before the bill comes. Credit cards have completely fucked the middle class and you will not become indebted to Visa or American Express or MasterCard.  

Savings: Literally thousands. Credit cards will fuck you senseless and not in a good way.

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