Today's society is full of various

Today's society is full of various commercial advertisements insisting that we have many unmet needs when their real motive is to create a powerful desire for something we may or may not actually need. The harmful consequences of excessive spending and borrowing money are obvious. Therefore, there is often another message that advises us to save money for the future. The twin messages come through loud and clear, "Yes, you should spend!" "No, you should save!" It can be confusing and difficult to make sensible decisions since many banks nowadays provide people with different kinds of credit cards simply to encourage them to spend money. Be careful! It's all too easy to get caught up using credit cards to buy things since it will easily put you in terrible debt. How will you budget your money? How will you be a smart consumer? These are good questions for you to consider.