No. of Recommendations: 0
Good for you! I am 20 years past you and have lived a yoyo debt cycle for my entire adult life. I am not proud of that but maybe my experience will serve as an example of what you don't want! I see in myself a pattern of paying off entire balances impulsively, then having to use the card when an expense (like car repair) comes up. In my experience, a cash cushion is good and will allow you to handle cyclical expenses (like Christmas) without using your card. Good luck and keep us posted.
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