

Edit: basically avoid credit cards and financing as much as humanly possibly
if you’re budget constrained, yeah. as goodguywithacat says below, treat a CC like a debit card and pay it off every month. I’ve never made an interest payment on a CC in my life. I put almost all my monthly expenses on a credit card that has 1-5% cashback rewards. I get ~$100 a month in reward points that I regularly spend on shit i need. at this point, i’ve spent over $1k in money i never worked for. one of life’s little perks.
thank you for sharing this article.
kind of related - i mulched a 3x8’ plot of my front yard this last year, from november-may. yard waste, fall leaves, grass clippings, etc. last week, i spread the mulch out to use as planting soil for some pumpkins. the mulch was so alive with decomposers, especially pillbugs. it felt good to provide them with habitat for a few months. i hope they’re nice to my pumpkins