Todd's Tip of the Day!

Tip no 1: Refrain from excessive credit card usage to avoid debt when you're studying at college.

Like everything, credit cards have a bright side and a negative side. The bright side is that you can use credit cards to purchase anything at a moment's notice. The negative side is the fact they can make you a shopaholic. You can end up buying more than what you intended to do. This means, you can get into debt problems quite easily.

You may not be able to survive without credit cards. However, this does not mean that you'll have to be completely depended upon them to make your purchases. Use cash when you need to buy something instead of swapping your credit cards.