I am a huge fan of Warren Buffet because throughout his life he taught people about saving of money and Investment. He also said lots about credit card, How it is a Trap of banks? There no such thing like poor or Rich. if you are earning less and saving money then you are rich and if you are earning more and not saving money you are poor.
Money is biggest spoiler of any relationship. If you think you relationship with anybody is Good then involve money and test it. Most of us have experienced it at some stage our life. small things matter, you small saving or small investment every month can save you from bankruptcy in future. I regret myself for not learning principal of money saving when I started earning but now I have more control over my unnecessary expanses
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Never take Personal Loan or Credit Card because these are trap of banks. In the case of emergency fund requirement take from your friends and relative and return on time before they ask you to pay. If you have urgent need of loan Take load against the mortgage like vehicle loan or Home loan because you may not know you will have financial security in future or not, then you can pay your loan by selling you vehicle or home.
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