Don't let credit ruin your life.

Take charge of it before you're bombarded by advertisements that control your every move.

Understand your credit score and how it affects your financial well-being. Make a budget and stick to it to avoid overspending and accumulating debt. Avoid applying for too many credit cards or loans at once, as this can negatively impact your credit score.

Know how to turn your debit card/credit card off with your phone. Make payments on time and in full to avoid late fees and interest charges.

Keep track of your credit report to ensure accuracy and identify errors or fraudulent activity.

Consider enrolling in credit monitoring services to stay on top of changes to your credit score.

Work with a financial advisor or credit counseling service to help manage your finances.

Don't let the fear of a low credit score prevent you from taking charge of your financial future. With the right tools and knowledge, you can improve your credit and achieve your financial goals.

LET'S TALK ABOUT FINANCE BASICS FOR YOUNG PEOPLE

BY COLLIN BRAZIEL