On the subject of credit

Credit cards have always triggered a low grade terror reaction— needless to say, I’m one of the very few people in my family who haven’t gotten themselves overwhelmed with debt, and the first credit card I ever opened I never used. But I realized in 2009 credit cards can be useful if you know how to work them, and I opened a rewards card through my bank, paying off the balance twice a month. It was nice to be paid $5-20 bucks a month just for using the card, and I always put that money right back to paying the next month’s balance. Basically, Kol was uber!responsible.( long way of saying that even though I made considerably less in 2012 I still kicked considerable credit butt & should be debt free a lot sooner than I probably should be )