using credit wisely
paying your bills on time is where to start. not paying your bills on time will sometimes cause your credit score, to go down. next is keeping your credit balance low, this way your managing how much money you can spend so you dont have to pay a large about at once. then there is avoiding express inquires , inquires will sometimes lower your credit score.
https://www.simple.com . this website helps you spend smarter, they also have additional websites.
https://www.wealthfront.com, helps you invest , you can start for free it gives you notifications on when your bills are due and where your money is going,
ermrk.it is an app that sales the expensive products you've always wanted, but for a lower price to help manage your money!
http://unleash.us/ this website remind you when payments are due and keeps out od debit
advantages and disadvantages of using credit.
with good there always comes bad so some disadvantages is blowing your budget, it's okay to go over a little bit in case of emergencies but if not then you shouldn't charge large amounts of money you do not have! , also increased debt, if you do charge large amounts and you don't pay it in the future, you could go into bad debt depending on how much you charge.
what is APR?
lets say i wanted to buy a hoodie for $28.99 , with an interest rate of 18% and a monthly payment of $50, my total cost would be $29.03.
free credit reports?