The moment you become an adult, a spouse, or a parent changes everything. Not only do you need to take care of yourself, but you now have someone else to care for and protect.
Whether you just recently graduated college or completed your degree several years ago, you likely took out one or more student loans to help finance your degree. At the start of the 2019 - 2020 school year, roughly 19.9 million students will attend colleges and universities;1 and of those currently enrolled students and college graduates, roughly 44.7 million people have student loans with an average loan amount of $37,172.2
Credit cards can be a useful way to help manage your money, if they are used the right way. Many also offer points, cash back, or other reward opportunities for making purchases. Plus, they can help you establish a strong credit history and credit score.
The holiday season has a way of stretching any budget, making it difficult to pay for gifts, decorations, and groceries, as well as normal everyday expenses.