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Only you can decide how you want to spend your money. When deciding whether to use credit, consider not only on your needs and wants, but also your financial situation. In other words, look at the money you earn and the expenses you must meet.

Using credit does have its advantages:

- Credit is handy and convenient.

- It can help meet temporary emergencies and difficulties.

- It eliminates the need to carry around large sums of money.

- You can use an item while you are paying for it.

- You may get better service on credit merchandise.

- You can take advantage of sales.

- It helps establish a credit history.

As a skillful consumer, consider the advantages of using credit in your particular financial situation. Be aware of the advantages of credit, manage it wisely, and get the most from your money.