💨 Abstract

Credit, when used wisely, can build your credit score, manage cash flow, and even save money. First, assess the necessity and affordability of borrowing. Understand different credit types and their benefits. Plan repayments meticulously to avoid debt. Strategies like "stoozing" can make money from savings while using credit. However, if you encounter debt issues, charities like StepChange and Citizens Advice can help. Always prioritize responsible borrowing and repayment.

Courtesy: Rosie Murray-West