Most people already know that using credit for impulse shopping sprees or basic living expenses like groceries can be risky, as it increases your debts, but what a lot of people don’t know is that there are some cases where it may benefit you to use your credit card.

Welcome to the world of personal finance mobile apps. In this seven-part series, we will take a look at the ways in which mobile apps can transform your life.

Credit ratings don’t have to be complicated – just make sure to practice these responsible finance tips and you’ll be confident that you can keep your credit score in great condition.

If we continue to believe we are entitled to the best of everything the instant we want it, we will go right back to taking on debt and buying more than we can afford.