money management

This presentation was no different from the many presentations that I have seen that dealt with credit cards and money management. The presenter had a lot of energy and appeal. I believe that most people in the audience should have paid more attention because they really need to know this information. I know most of this because I researched it.  As I have said before, this is not my first money management presentation. I do not not manage my money that well because I spend way more than I should. I have tried budgeting just for fun, but that did not work out. I do not own a credit card yet because I do not see any use for it at the moment. Later in my life I would definitely get a credit card, maybe an American Express Black Card.