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It is not only a good idea to get a credit card, but is also very essential.There are multiple benefits to having a credit card, such as being able to spend more money than what's on your bank account. This is because credit cards allow you to use the card issuer's money as long as you pay the money back later, generally in a short period of time to avoid paying high interest rate. A credit card is another way to build up one's credit. As stated in the article Your Credit Score: After College, It's the One Grade That Matters Most by Erin Lowryn "According to Griffin, credit card debt is one of the most important factors in the bureaus' determination of your credit score", In other words the author of this article is saying that not handling a credit card responsibly can greatly affect how credit bereaus rate your credit score. Although there are certain disadvantages to a credit card, for example, damage credit or high interest rate. A credit card is important because it helps establish your credit score.

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Your Credit Score: After College, It’s
the One Grade That Matters By Erin Lowry

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from
Your Credit Score: After College, It’s
the One Grade That Matters By Erin Lowry

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1. " For many college students, this starts the moment they take on a student loan. "
College graduates or student establish their first line of credit through student loans. From the moment this loan has been established credit bureaus are tracking how financially responsible that student is.
2. "Student loans are considered installment loans, and paying these on time can help your credit score,"
An installment loan is a loan that is repaid over time by the person who gets approve for the loan with scheduled payments; it can either take months or years to pay off a loan.

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Example of what a financial plan can look like.

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Discuss personal finance with a professional.

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Is important to have a logical financial plan.

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What
You Need to Know by
Jennifer Barrett (New York Times)

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What
You Need to Know by
Jennifer Barrett (New York Times)

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Credit Cards
1. You can spend more than you have — or postpone paying, at least — and you typically get better rewards and better protection than you do with debit cards. Is The banks money
2. They help build your credit, as long as you pay your bills on time. Some also offer rewards that you can use to get gifts, cash back or discounts for products, services and special events.

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 What You Need to Know by Jennifer Barrett (New York Times)

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 What You Need to Know by Jennifer Barrett (New York Times)

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Debit Cards
1.Debit cards are linked to your bank account so the money you spend is automatically deducted from your account.
2.There’s another benefit as well: Unlike credit cards, your bank balance goes down with each debit card transaction, so you’re less likely to overspend.

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Teaching Gap: 83% of Teens Don't know How To Manage Money

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Teaching Gap: 83% of Teens Don't know How To Manage Money

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" Teens are brought into an environment where you use plastic for most of your big purchases and if you need cash you go to a little machine and money comes out."

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Teaching Gap: 83% of Teens Don't know How To Manage Money

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Teaching Gap: 83% of Teens Don't know How To Manage Money

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"Typically, teens learn financial management skills in school or in the home, but parents today are not as confident in their abilities to teach financial literacy "(Tuggle).
This is because many parents are facing financial crisis or strained budgets that gives them the idea that they are not the right person to discuss this subject with their children. The present economic downturn plays a major role in the communication between a parent and a child about money. Tuggle suggests that even if the parent is struggling financially, is essential to discuss the importance of financial management with a child.

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Being capable of understanding how money works in the world and how to manage one's own money.

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Personal finance is the understanding and management of monetary resources