People who don't pay off their cards every month are crazy in my opinion. Credit cards are not for living off of unless its an absolute emergency.
It's crazy to me how many people just spend like crazy on their cards like it's money they already have and just keep spending. As it is, you get taxed when you make your money, then you get taxed again when you spend it. Then to add to that they compound interest to the equation. You end up for working for a fraction of your money!
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