re: Finances, fuck credit btw
@bedap@sunbeam.city If you pay off your credit card IN FULL each month, having a credit card is good: you pay no interest, improve your credit score, possibly get some minor cash back or reward points.
If you do NOT pay off full balance each month, the interest rates are extortionate, and you will be screwed, fast.
The hardest credit card to get is the first one, when you have no credit history. Many "starter" credit cards have either an annual fee or require a security deposit, and will probably have a low limit until you've made a bunch of payments on time. You can internet-search to find the best options.