Hi, today I’m going to talk about personal finance and some of my experiences. When I talk about personal finances I mean credit cards and the loans you can get from them, I have a credit card and I always keep my budget on the green but I must admit that sometimes it is useful to make a loan from your credit card because you never know when you might need some extra cash that you don’t have available.

Like I told you I never go into the red but this summer I really did have to loan some money so that I could have fun at the festivals, it was great but I was without money so of course that I couldn’t return home and leave the festival so I made a loan until the next month.

As you can see from my experience having credit cards can be really useful when an important part of your life comes along and you need money to live it. The things I told you just give you a reason to get a loan because you can have hundreds of more reasons, each one of us has a life and that life can bring new challenges every day, challenges where you might need money and have none.

Believe me that having a credit card is really serious business because it can be really useful at those important times in your life.