[Stacey Daprile – Ambassador]

Josh, you are so right! It is so easy to get caught up in the never-ending cycle credit card cycle. I think most of us do not take into account the addition of interest to the balance each month. Yes, we know it is going to be there, but the reality of it is so much more than we think about.

[Josh Johnson – Ambassador]

Thanks so much for your input! It always feels good to know that I’m not the only one out there who has been through this.

[Antoinette Minor – Ambassador]

I agree! I think you make a great point with the rewards programs too. So many people don’t understand how to really take advantage of the rewards without getting caught up in more debt. Worry less about the rewards and more about staying out of debt.