What we think!

We think the most important topic is the credit cards.  We both thought credit cards was a bad thing but we learned that they actually can be a very good thing.  We learned that the benefits of credit cards are: earlier consumption, convienence, use for emergencies, and establishment of a good credit history.  You just have to be a smart spender, because they are very easy to abuse and the balance can add up quickly.  We think that the best time to use credit cards is when it is something small, you know you can pay it back, and/or when there is an emergency.