The financial world is a confusing and unforgiving place. Debt is an inconvenience, but a necessary one that you must learn to manage and control to use to your advantage. Budgets are a good way to keep track of your purchases and to help you spend your money more wisely and save money for the future. Insurance such as health, life, long term disability, and auto are an essential safety net for your life. Debt is a thing we all must deal with. Without it, you would not have a credit score to be eligible for benefits such as low interest rates and cheaper payments. "... your credit rating is most affected by your historical propensity for paying off your debt. Although there are many ways you can improve your credit score, the factor
