Credit is a very important area to all adults. Young adults usually make mistakes that hound them for years to come, because of the lack of knowledge. I have learned some tricks since I too have went through a period of credit trouble.
If you have a problem with any of my suggestions you may not need a credit card. If you do get behind, come up with a payment plan.
Check around on the internet for bill calculators. Also, find a credit counseling service like CCCS. Following are some tricks that I have tried. I normally pay my bills online, this gives me more time to come up with the money. Also, I pay the minimum every fourteen days, this can cut ones time of paying the bill off by 25%. One can even call the companies and work with them if one has some major financial problems.
