GREAT article. I try to live by this quote you mentioned- "Spend less than you earn" - but it can be challenging. I think for me in started in college with the credit card giveaways on campus, and that was not a smart decision as I was spending and not earning. Big mistake
. Now I only have one credit card and I honestly cannot remember the last time I used it. Getting in over my head with credit was my wake up call.