🧳 Preparation for Independent Adulthood *coming soon
Course overview
Lesson Overview

2.5 – Using Debit and Credit Cards Wisely: Debit and credit cards offer convenience but require responsibility. A debit card spends money you already have, while a credit card borrows funds that must be repaid. Understanding this difference prevents debt and protects your credit score. Using cards wisely means monitoring balances, making payments on time, and avoiding unnecessary purchases. It also means keeping cards secure and checking statements for unauthorized charges. Over time, wise card management teaches discipline and strengthens financial credibility. Building positive habits early ensures that your cards serve you rather than control you. Credit cards, when handled properly, can build a foundation for future financial opportunities. The key is to use them as tools, not temptations.

About this course

Comprehensive life skills training to help young adults transition into independent living with confidence, stability, and self-sufficiency.

This course includes:
  • Budgeting templates, job readiness tools, and housing checklists
  • Real-life scenarios to practice problem-solving and independence skills
  • Guided planning activities to build a personalized adulthood readiness plan

Our platform is HIPAA, Medicaid, Medicare, and GDPR-compliant. We protect your data with secure systems, never sell your information, and only collect what is necessary to support your care and wellness. learn more

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