Online payday loans and traditional personal loans are two very different types of credit. It’s important to know how to use each one so you don’t end up with overwhelming debt later.
I remember when I first started college. I was a great example of how NOT to handle your money. I used credit cards as though there would be no consequences. It’s almost a decade later now, and boy am I paying for it.
Careless spending on non-essentials
I had heard it all – that credit cards were dangerous, that I’d regret it later – but I thought I knew better. I thought buying clothes and going out to dinner with my friends was worth the interest I would pay later.




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