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Reply to "I feel like I am doing money management wrong"
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[quote=Anonymous][quote=Anonymous]Unpopular opinion here: [b]I believe credit card use can encourage discretionary spending. Of course there are benefits to credit cards, but OP is barely making ends meet and has no reserve funds. I would set up electronic bill pay and use cash/debit only for other bills. [/b] Now she has a reduced salary she should also look at places to cut expenses: smaller apartment, get a roommate, go on a spending diet. I hope she is contributing to 401k, no matter how small the amount. [/quote] +1[/quote]
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