When deciding which financial path to take, it can sometimes become overwhelming.

The first step is to get clear on what YOU need and want for your financial lifestyle. There can be pros and cons to both sides.

Second step is to educate yourself on what is required to have a successful and fulfilling experience, whether if you're choosing to live a debt free lifestyle or credit lifestyle.

Third step is to take action consistently. Things change in the financial world daily. It's great to surround yourself with people and resources to guide you and keep you informed on the journey.

In this episode, I shared my own personal experiences and thoughts on debt free vs credit. There is no right or wrong decision. Choose which route is best for you in this season of your life. You can always make adjustments later.

Do you want to be debt free or would you prefer to manage credit?

Check out this article from Experian "Debt-Free Living: How To Get Out Of Debt For Good" https://www.experian.com/blogs/ask-experian/debt-free-living-how-to-get-out-of-debt-and-stay-out/

Check out this article from NerdWallet "A Simple Recipe For Managing Your Credit Score  https://www.nerdwallet.com/article/finance/simple-way-manage-credit-score

The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

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