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for bills, is having it on autopay with the biller superior to using it manually to pay that biller? I prefer to manually manage all that as I have for years but I figure its beneficial to get that on a credit card and just make sure its paid off. I already basically use a bills bank account to do essentially this manually
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only purchase what I already have set aside/budgeted for and can payoff before the grace period
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anything else?
What debts do you have when you’re young? The idea is to get a 0% interest loan to pay off
You use a credit card for some of your spending and you pay it off in full each month. Doing more than that is unnecessary.