"To be forgiven is only half the gift. The other half is that we also can forgive, that we can release ourselves from the old, old burden of resentment and recrimination."
Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
