How to Effectively Use Credit Cards to Boost your Credit Score

I remember my credit clients used to absolutely  HATE when I tell them that they need to get a credit card in order to see a real boost in their credit score!  The majority feel that they lack the discipline to use the card responsibly.  Although I definitely understand, (sometimes I have to hide my cards as well) credit cards are going to be the fastest way to build a credit score especially if you lack existing credit.  The best tip I can give someone who is recovering from bad credit is a secured

“Its not your salary that makes you rich, its your spending habits”

This article contains affiliate links for services and sites we trust or use.  To learn more , please read our full disclaimer.  How many times have you gotten that good paying job or that raise at your current job and felt that you were finally on your way to doing better financially, only to find yourself in the same financial position you have always been in; living paycheck-to-paycheck and unable to save? This is because the more money we make the more money we tend to spend. Once we get an increase in pay, we