Credit is both dangerous and necessary. It is essential to build your score, but more importantly to ensure that you do it in a smart way.

"Credit is a system whereby a person who can't pay gets another person who can't pay to guarantee that he can pay."-#CharlesDickens quote

Credit is a reflection of who we are past and present but it's not an indication of who we are going to be. We have the power to change.

"the most important thing for a young man is to establish credit-a reputation and character."- JohnDRockefeller

Trying to savemoney? Stop with the extravagant gifts! heatherwags tells you how: ping.fm/eYmxT

there's still more to come on uywradio. Catch the rest of the program here: ping.fm/W3Mwq

heatherwags is LIVE with Dom Sgambellone on UYWRadio. Tune in now: ping.fm/yqeph personalfinance

quote: "You give but little when you give of your possessions. It is when you give of yourself that you truly give."-Kahlil Gibran

If people can't respect or honor our need to hold that wallet a little tighter, then we need to reevaluate our relationship with them

Instead of extravagant gifts, buy or make nice, fancy cards that will be worthy of any gift you receive. ping.fm/zn5Eh