If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.

I see very little other sources of financial catastrophe than credit-card debt,

Money is a poor man's credit card.

Credit card interest payments are the dumbest money of all.

Credit card debt is almost always bad. At the very least, make sure that the amount of credit card debt you have is less this year than last.

Life's irony;Some people use their credit cards to start an enterprise,while others use theirs to accumulate unyielding assets.