Develop a simple plan to fully identify expenses and match to available savings, income, scholarships and grants so as not to overspend and create a situation where there is little or no money for future months. Control spending.

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Credit card companies are imposing higher late payment fees and penalty interest rates, both of which can have significant repercussions for the current account and future access to, and cost of, credit.

266

For some, (there is an) over-reliance on credit cards with the idea that future income will be available to quickly pay off the debt.

129