{"id":29,"date":"2023-07-20T14:19:32","date_gmt":"2023-07-20T14:19:32","guid":{"rendered":"https:\/\/solidgroundhelp.com\/debt\/?page_id=29"},"modified":"2024-03-12T05:21:19","modified_gmt":"2024-03-12T05:21:19","slug":"using-credit-wisely","status":"publish","type":"page","link":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/","title":{"rendered":"Using Credit Wisely?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29\" class=\"elementor elementor-29\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31d826ed elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31d826ed\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-39d39bc2\" data-id=\"39d39bc2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4395df79 elementor-widget elementor-widget-heading\" data-id=\"4395df79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Using Credit Wisely?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e556421 elementor-widget elementor-widget-text-editor\" data-id=\"7e556421\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAny time you use credit, make sure you know how to use it properly and in a way that will improve your life rather than make it more difficult.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7e0d08ce elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"7e0d08ce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-75ecad7e\" data-id=\"75ecad7e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19df594e elementor-widget elementor-widget-heading\" data-id=\"19df594e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Apply Now!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-792cad06 elementor-widget elementor-widget-text-editor\" data-id=\"792cad06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<script type=\"text\/javascript\">var gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener(\"DOMContentLoaded\",o):document.addEventListener(\"gform_main_scripts_loaded\",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook(\"action\",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook(\"filter\",o,n,r,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,n){gform.removeHook(\"action\",o,n)},removeFilter:function(o,n,r){gform.removeHook(\"filter\",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+\"_\"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==n?t.apply(null,r):r[0]=t.apply(null,r)})),\"filter\"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});<\/script>\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_3' >\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_3'  action='\/debt\/wp-json\/wp\/v2\/pages\/29' data-formid='3' >\n                        <div class='gform-body gform_body'><div id='gform_fields_3' class='gform_fields top_label form_sublabel_above description_above'><div id=\"field_3_4\"  class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_4\"><label class='gfield_label gform-field-label' for='input_3_4' >First Name*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_4' id='input_3_4' type='text' value='' class='large'    placeholder='First Name*' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_3_5\"  class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_5\"><label class='gfield_label gform-field-label' for='input_3_5' >Last Name*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_5' id='input_3_5' type='text' value='' class='large'    placeholder='Last Name*' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_3_2\"  class=\"gfield gfield--type-email gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_2\"><label class='gfield_label gform-field-label' for='input_3_2' >Email Address*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_3_2' type='text' value='' class='large'   placeholder='Email Address*' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_3_6\"  class=\"gfield gfield--type-phone gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_6\"><label class='gfield_label gform-field-label' for='input_3_6' >Phone*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_6' id='input_3_6' type='text' value='' class='large'  placeholder='Phone*' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_3_8\"  class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_above hidden_label gfield_visibility_visible\"  data-js-reload=\"field_3_8\"><label class='gfield_label gform-field-label' for='input_3_8' >Zip Code*<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_3_8' type='text' value='' class='large'    placeholder='Zip Code*' aria-required=\"true\" aria-invalid=\"false\"   \/> <\/div><\/div><div id=\"field_3_9\"  class=\"gfield gfield--type-select field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_3_9\"><label class='gfield_label gform-field-label screen-reader-text' for='input_3_9' >Select Unsecured Debt<\/label><div class='ginput_container ginput_container_select'><select name='input_9' id='input_3_9' class='large gfield_select'     aria-invalid=\"false\" ><option value='' selected='selected' class='gf_placeholder'>Select Unsecured Debt<\/option><option value='$0 to $5,000' >$0 to $5,000<\/option><option value='$5,000 to $10,000' >$5,000 to $10,000<\/option><option value='$10,000 to $15,000' >$10,000 to $15,000<\/option><option value='$15,000 to $20,000' >$15,000 to $20,000<\/option><option value='$20,000 &amp; Up' >$20,000 &amp; Up<\/option><\/select><\/div><\/div><div id=\"field_3_10\"  class=\"gfield gfield--type-hidden gform_hidden field_sublabel_above gfield--no-description field_description_above gfield_visibility_visible\"  data-js-reload=\"field_3_10\"><div class='ginput_container ginput_container_text'><input name='input_10' id='input_3_10' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/pages\/29' \/><\/div><\/div><\/div><\/div>\n        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_3' class='gform_button button' value='Apply Online Now!'  onclick='if(window[\"gf_submitting_3\"]){return false;}  window[\"gf_submitting_3\"]=true;  ' onkeypress='if( event.keyCode == 13 ){ if(window[\"gf_submitting_3\"]){return false;} window[\"gf_submitting_3\"]=true;  jQuery(\"#gform_3\").trigger(\"submit\",[true]); }' \/> \n            <input type='hidden' class='gform_hidden' name='is_submit_3' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='3' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_3' value='WyJ7XCI5XCI6W1wiMGNlZDg5NThmMzgwODIwZmQ5NmY4ZDkzYmJhZTU4YTZcIixcIjU0YzdkMjZmNzRhMDEyMjBhNjBkYjIwNjU0ZDQyZDJhXCIsXCIzZjRkNDI3MDlkN2ZiNWZiZTVmYTA5MDJlNzcyYjdmNlwiLFwiZmQ4M2M3MTk0ODdmM2E5OWE1MzNkZjA2MjgxZGEwZTJcIixcIjU0MjVhNzgzZWRkMWQwMjg3MTEzZDAyYmUzNTFjMzg2XCJdfSIsImM3MzNkYjc0NDc2MDM4MGM4ODkzYjcyNGVjMWYzMGNlIl0=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_target_page_number_3' id='gform_target_page_number_3' value='0' \/>\n            <input type='hidden' class='gform_hidden' name='gform_source_page_number_3' id='gform_source_page_number_3' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div><script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 3, 'https:\/\/solidgroundhelp.com\/debt\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery('#gform_ajax_frame_3').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_3');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_3').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_3').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_3').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_3').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_3').val();gformInitSpinner( 3, 'https:\/\/solidgroundhelp.com\/debt\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [3, current_page]);window['gf_submitting_3'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_3').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [3]);window['gf_submitting_3'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_3').text());}, 50);}else{jQuery('#gform_3').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger('gform_post_render', [3, current_page]);gform.utils.trigger({ event: 'gform\/postRender', native: false, data: { formId: 3, currentPage: current_page } });} );} );\n<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64c91f4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64c91f4c\" data-element_type=\"section\" data-e-type=\"section\" id=\"helpyou\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15c08c7d\" data-id=\"15c08c7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-12ef1851 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12ef1851\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4e0f9563\" data-id=\"4e0f9563\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4032c6d2 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"4032c6d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"72\" height=\"66\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png\" class=\"attachment-full size-full wp-image-85\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Talk About It<\/h3><p class=\"elementor-image-box-description\">If anyone else is affectedby your decision to get credit, make sure you explore alternatives with them first.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1d7713ec\" data-id=\"1d7713ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-693e513c elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"693e513c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"79\" height=\"82\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/credit-limit-icon.png\" class=\"attachment-full size-full wp-image-97\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Check Your Budget<\/h3><p class=\"elementor-image-box-description\">You should have a copy of your budget accessible when talking to someone about your credit. Your spending plan can help you determine if you have enough money to pay a credit card payment or a loan.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d57861c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d57861c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8c94251\" data-id=\"8c94251\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa7e391 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"fa7e391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"79\" height=\"66\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/billing-cycle-icon.png\" class=\"attachment-full size-full wp-image-91\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Do Not Be Fooled<\/h3><p class=\"elementor-image-box-description\">You need to review your spending plan thoroughly and decide whether this month was an average month. Make sure you consider all factors before deciding if you can accept more financial obligations.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e2c5ec7\" data-id=\"e2c5ec7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-205fb24 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"205fb24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"79\" height=\"68\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/min-payment-icon.png\" class=\"attachment-full size-full wp-image-94\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Ask The Hard Questions<\/h3><p class=\"elementor-image-box-description\">Did you get a bonus this month, giving the impression that you have extra money at your disposal? Will you once again find yourself with little left over at the end of the month starting next month? Are you thinking about withdrawing funds from your savings account to pay off a loan or credit card balance?<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e78662 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e78662\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d2f5fcf\" data-id=\"d2f5fcf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b177ad elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"3b177ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"81\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/rewards-icon.png\" class=\"attachment-full size-full wp-image-100\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Do Not Break Into Your Savings<\/h3><p class=\"elementor-image-box-description\">Do not even think about withdrawing funds from savings to take on a new recurrent debt! Does it make sense to spend more money and reduce your savings? If you really must accept the loan, think about where you can decrease costs.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b6568fb\" data-id=\"b6568fb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ae6732 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"4ae6732\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"82\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/fees-icon.png\" class=\"attachment-full size-full wp-image-98\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">More Income In the Future?<\/h3><p class=\"elementor-image-box-description\">Understand that your future will be affectedby the choices you make now. If you get a second job or an increase in your salary, you might be able to pay the extra charges; otherwise, that new credit card might not be such a great idea.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-631494b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"631494b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4a47660\" data-id=\"4a47660\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a90e8b6 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"a90e8b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"84\" height=\"66\" src=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/credit-score-icon.png\" class=\"attachment-full size-full wp-image-92\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Be Responsible<\/h3><p class=\"elementor-image-box-description\">Being responsible with your credit can help you make sound financial decisions. Regular credit account payments will ensure you have an excellent credit history, establishing your reputation as an excellent borrower. Having good credit makes it easier to secure a good loan with a reasonable interest rate. This positive borrower behavior can help you stay out of debt while also improving your credit score.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Using Credit Wisely? Any time you use credit, make sure you know how to use it properly and in a way that will improve your life rather than make it more difficult. Apply Now! Talk About It If anyone else is affectedby your decision to get credit, make sure you explore alternatives with them first. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-29","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Using Credit Wisely? - Solid Ground Help<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Using Credit Wisely? - Solid Ground Help\" \/>\n<meta property=\"og:description\" content=\"Using Credit Wisely? Any time you use credit, make sure you know how to use it properly and in a way that will improve your life rather than make it more difficult. Apply Now! Talk About It If anyone else is affectedby your decision to get credit, make sure you explore alternatives with them first. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/\" \/>\n<meta property=\"og:site_name\" content=\"Solid Ground Help\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-12T05:21:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/\",\"url\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/\",\"name\":\"Using Credit Wisely? - Solid Ground Help\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/home-educate-icon.png\",\"datePublished\":\"2023-07-20T14:19:32+00:00\",\"dateModified\":\"2024-03-12T05:21:19+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/#primaryimage\",\"url\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/home-educate-icon.png\",\"contentUrl\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/home-educate-icon.png\",\"width\":72,\"height\":66},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/using-credit-wisely\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Using Credit Wisely?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#website\",\"url\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/\",\"name\":\"Solid Ground Help\",\"description\":\"Education Empower &amp; Build\",\"publisher\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#organization\",\"name\":\"Solid Ground Help Foundation\",\"alternateName\":\"SGHF\",\"url\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/fav-icon.png\",\"contentUrl\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/fav-icon.png\",\"width\":512,\"height\":512,\"caption\":\"Solid Ground Help Foundation\"},\"image\":{\"@id\":\"https:\\\/\\\/solidgroundhelp.com\\\/debt\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Using Credit Wisely? - Solid Ground Help","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/","og_locale":"en_US","og_type":"article","og_title":"Using Credit Wisely? - Solid Ground Help","og_description":"Using Credit Wisely? Any time you use credit, make sure you know how to use it properly and in a way that will improve your life rather than make it more difficult. Apply Now! Talk About It If anyone else is affectedby your decision to get credit, make sure you explore alternatives with them first. [&hellip;]","og_url":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/","og_site_name":"Solid Ground Help","article_modified_time":"2024-03-12T05:21:19+00:00","og_image":[{"url":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/","url":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/","name":"Using Credit Wisely? - Solid Ground Help","isPartOf":{"@id":"https:\/\/solidgroundhelp.com\/debt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/#primaryimage"},"image":{"@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/#primaryimage"},"thumbnailUrl":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png","datePublished":"2023-07-20T14:19:32+00:00","dateModified":"2024-03-12T05:21:19+00:00","breadcrumb":{"@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/#primaryimage","url":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png","contentUrl":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/home-educate-icon.png","width":72,"height":66},{"@type":"BreadcrumbList","@id":"https:\/\/solidgroundhelp.com\/debt\/using-credit-wisely\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/solidgroundhelp.com\/debt\/"},{"@type":"ListItem","position":2,"name":"Using Credit Wisely?"}]},{"@type":"WebSite","@id":"https:\/\/solidgroundhelp.com\/debt\/#website","url":"https:\/\/solidgroundhelp.com\/debt\/","name":"Solid Ground Help","description":"Education Empower &amp; Build","publisher":{"@id":"https:\/\/solidgroundhelp.com\/debt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/solidgroundhelp.com\/debt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/solidgroundhelp.com\/debt\/#organization","name":"Solid Ground Help Foundation","alternateName":"SGHF","url":"https:\/\/solidgroundhelp.com\/debt\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solidgroundhelp.com\/debt\/#\/schema\/logo\/image\/","url":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/fav-icon.png","contentUrl":"https:\/\/solidgroundhelp.com\/debt\/wp-content\/uploads\/2023\/07\/fav-icon.png","width":512,"height":512,"caption":"Solid Ground Help Foundation"},"image":{"@id":"https:\/\/solidgroundhelp.com\/debt\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/pages\/29","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/comments?post=29"}],"version-history":[{"count":19,"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/pages\/29\/revisions"}],"predecessor-version":[{"id":1637,"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/pages\/29\/revisions\/1637"}],"wp:attachment":[{"href":"https:\/\/solidgroundhelp.com\/debt\/wp-json\/wp\/v2\/media?parent=29"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}