I changed the way I use money and credit. I have a small credit card in which I pay for everything each month. Then I just pay it in full. Because I take home much more than my credit card limit the system works well. Also my student loan is set up on an automatic payment system right out of my checking each month. I will be ready to buy a car and a home once the loan is payed off at the end of the year. =D
Thee
