Level 6
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Credit cards

I never spend more than I make on my credit cards. Paying just the minimum balance when you have $500+ in credit card debt keeps you swimming in debt. I pay $100+ each statement or in between statements and I never use another card until another is paid off. Never utilize more than 20% of your available credit or you will never get ahead. The only thing killing me are my student loans but I still manage to be at 22% debt to income.