It's high time you learn to
live without credit cards. It is true that credit cards are good but,
first pay off your debts and then start managing cards efficiently.
plan a budget first and set
aside money. Cut down extra expenses. It will help you to build an
emergency fund. Don't use credit cards to overcome an emergency. It is a
mistake.
Start building an emergency fund. Lead a frugal life to save money. Make it your goal to save 10% of your monthly income every month.
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