Luckily, my mom instilled in me that credit cards were not to be used unless you could afford to pay it off right away. The only credit card I had for a very long time was my mom’s credit card, which I used for living expenses when I was in high school/college. Even now, her credit card is my emergency credit card! I use my debit card for just about everything else, with the occasional store card for certain rewards/points or if there’s a financing promotion on a really big ticket item. I never went into debt because of beauty products thanks to my mom’s advice!

-- Christine

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