Credit Cards

I am a bit terrible at dealing with money.  I have to be honest, it is really hard to keep tabs on where my money is going.  I am working and living in the city, have a job which pays the bills and rent but the rest of my money just goes!  Credit cards are great but I seem to have a growing collection and am finding it increasingly hard to keep tabs on which ones need paying and how much…Most of my friends have credit cards which they got when we were still having the ‘borrower friendly’ time.  Now it is much harder to get a card.  The banks are much tougher with applicants for loans – I daren’t even think what my credit score looks like these days.

Well, some people just seem to find it easier than others to keep on top of their finances.  I am just lucky that I am able to stay afloat and fund my lifestyle!  I would like to start thinking about the future, maybe buy a house or property.  That would be great as an investment and I have heard that now is a pretty good time to get involved in the housing market.  Credit cards are supposed to be a good way to build up a decent rating so that when you go to buy a house you will be accepted for the mortgage application.  It isn’t looking great for me then!!  You can get some cards which help you to build up your rating, I might consider getting one of those and cutting up the rest.