You won't find yourself drowning in debt simply because you used your credit cards a few times. In fact, you can use your credit cards regularly and still keep your head above the murky debt waters.
What does lead to debt is using credit cards and other debt instruments (e.g. loans) unwisely and unnecessarily without paying your debt bills accordingly. There are five specific spending habits that lead to debt. Avoid these and you'll have a much better financial life.
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