You may find there are times when you need more than just the cash in your pocket or bank accounts to pay for big expenses, such as buying a new car or a home. Using a credit card or taking out a loan may provide you with the funds you need, but its important that you understand how to use them wisely before you borrow. If not, you may end up paying much more than you expected.
Remember: Getting into debt is easy. But getting out of debt is the hard part.