Money Hacks From the Business Times

There is good debt and bad debt. Productive debt would be what I would see as a sensible loan, potentially a student loan. Unproductive will be these amalgamated debt loans and credit cards. Build that transparency into your monthly spend and have that discipline. If you want to keep a credit card, make sure you have enough to pay off at the end of the month to avoid interest payments. Or you can switch to a debit card. We allow roundups where, along with your spend, that loose change will also help you invest in gold.

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