One of the biggest financial problems facing people today is credit card debt. A decade ago this wasn't the case. But now, people are starting to spend more and are beginning to get deeper and deeper into debt for it.
If you don't have a credit card, take a moment to reflect and start asking yourself if you really need one. Be honest with yourself. If you've gotten this far on cash purchases, why stop? Getting a credit card might only open a can of worms you can't close.
Don't give in to the "keeping up with the Joneses" syndrome, where you ought to have what your friends or neighbors have. It could very easily lead you to the "keeping one step ahead of your debtors" syndrome.
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