Edit: basically avoid credit cards and financing as much as humanly possibly
if you’re budget constrained, yeah. as goodguywithacat says below, treat a CC like a debit card and pay it off every month. I’ve never made an interest payment on a CC in my life. I put almost all my monthly expenses on a credit card that has 1-5% cashback rewards. I get ~$100 a month in reward points that I regularly spend on shit i need. at this point, i’ve spent over $1k in money i never worked for. one of life’s little perks.
if you’re budget constrained, yeah. as goodguywithacat says below, treat a CC like a debit card and pay it off every month. I’ve never made an interest payment on a CC in my life. I put almost all my monthly expenses on a credit card that has 1-5% cashback rewards. I get ~$100 a month in reward points that I regularly spend on shit i need. at this point, i’ve spent over $1k in money i never worked for. one of life’s little perks.