There are so many things to buy out there. It would be great to have enough money to get everything you want but we all have a finite amount of cash. Loans are a good way to buy more expensive items that you can pay over time. Credit cards can be a useful way to track your spending and avoid carrying cash.

It’s fun to spend, there’s no doubt about it. We all want nice things and fancy meals out. If you can work with a budget and don’t accumulate debt you will be way ahead of the pack. There’s power in being a good money manager.