Hard Body Island

Yes you will have bills when you’re first starting out. Get your mind wrapped around that fact quick. I’m not talking about your utility bills either because those have to be paid in order for you to live. I’m talking about student loans, credit card debt, subscriptions, and car payments. Student loans need to be paid and on time because you don’t want to be paying those into your 40’s and hoping the government can remove them like some people think today. Some employers now offer student loan reimbursements, make sure to check with your employer of they help with that. Credit cards are good and bad. The bad side is that they have high interest and can suck you dry if you don’t pay off your balance before the next statement period. Plus they give you a false sense of you having money. You think you can pay a purchase off on your next paycheck or next month but that means you have to pay for your monthly expenses and throw extra to your credit card, and in this current economy, you might not have the capability to pay extra and live comfortably until getting paid again. The good parts about credit cards are that you can earn points for travel or cash, receive complementary benefits like dining, shopping, and travel, and they can get you out of jam if you can pay with a credit card. We will go into what type of credit cards to get and which to not later.