WANT TO EARN EXTRA MONEY? Survey Junkie: Earn up to $50 per survey with one of the highest-paying survey sites Continue Reading

Credit cards, they can be a handy financial tool when used properly, but most of the time they’re the bane of our financial problems.

Travel is beneficial in so many ways: it broadens your horizons, helps with stress, develops resilience and tolerance and you’ll create lifelong memories while you’re at it. It can be hard on the hip pocket, however.

An elderly neighbor who doesn’t drive needs help getting groceries, so I occasionally pick up a few things for him. I give him the receipt and he pays me in cash, rounding up the total by a buck or two for my trouble.

Having a credit card or two is a financially sound idea but only if you are careful and follow some credit card advice such as:

Your credit report is one of the most important financial tools you’ll ever have. It’s so much more than financial though; your credit report also tells your full story.

You may have seen an advertisement for a special rate on a new credit card, or your local bank is offering a bonus for opening a new account with them.