As a resident of Kentucky who has been in debt before, you are likely looking for good habit-building tips to keep you from falling back into debt once you have gotten out. This is particularly useful if you have filed for bankruptcy, as it means you cannot afford to fall back into debt.

The top tip to keep in mind is to avoid using credit cards to buy things you cannot actually afford. Many people make the mistake of using credit cards with the idea that they’re borrowing money which they will then pay back later, once they have the means to do so. Unfortunately, this can easily lead to debt if you don’t actually have the means before the billing cycle is up.

Other tips involve paying off your credit card. For example, always try to pay off the full amount every month. This will keep you from accruing interest rate fees, which can stack up fast and bury you quickly. Always remember to pay on time, too, since you can avoid dealing with late fees being tacked on to your bill this way.

Avoiding cash advances is another good way of keeping yourself from accruing extra fees. Finally, you may want to limit the number of credit cards you have. Though you may think it can help by spreading out the charges, it can actually make debt stack up faster through interest rates. It can be harder to keep track of spending this way, too.

Are you curious to learn more about avoiding credit card debt or dealing with debt that may already be stacked up? If you are, consider visiting our web page here, which focuses on credit card debt.