I think folks like you are pretty rare -- those with innate ability of money management skills.

Thanks, All knowledges that I found are thanks to my friends too. I won't be like this without my friends. I still need more and more to learn money management skills with my current condition.

There are lots who have to learn the lesson the hard way.

True and that's a hard thing to know 😭.

#sadtruth nowadays, I refuse to use a credit card for purchases at all.

Whatever choice we make at least we grasp the full knowledge of what we're doing 👍.

!LOL
!ALIVE
!LUV