An important one

I woke up the other day and went to buy somehting but my credit card was declined because someone had borrowed it and overspent. My advice for you is to pay attention to your expenses and never trust anyone else with your money especially not a girl friend, or atleast not with a lot of it. Cash is fine but cedit will jsut hurt you. If they max it out you could wreck your credit rating and set yourself back in life. Budget yourself and make sure to put a bit away every paycheque in the end you will be very happy that you did, say you need a new vehicle you have some money put away so you won't need to get a loan, or if you become unemployed you do not need to rely on EI or anyone else. Always be self sufficient.