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I can be very good with money. I have to be since I like buying expensive toys. I hardly ever use cash, nor have it on me. It's not that I don't like it, I just prefer not have it. Something to loose if robbed. It's not uncommon for me to carry the same twenty dollar bill for month or longer.
Unfortunately, credit is a necessary evil. Personally, I have four cards for all the major credit card companies. All but one, I pay off at the end of the month; I'm what card companies call free loaders.
Ideally, what I like to do, is make a big purchase after having saved the money for it, and put it on the card. I'll call the card company before hand to see if I can get a deal on the interest rate, which I usually do. I'll pay some of it during the deal time, and right before the end, I pay it completely off.
I find it works well to maintain and build credit. Unfortunately, if you don't use credit, you loose credit.
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