Everyone uses credit cards maybe a little too much. In the United States, the collective credit card debt total in 2015 reached $60 billion. The average household credit card balance is at almost $7,200. Some of this debt is necessary. Some Americans charge medical and emergency expenses to credit cards. However, a lot of this debt is just frivolous and unnecessary spending. But there's one surefire way to control your credit card debt.


Just treat your credit cards like another debit card. Don't charge more to it than what's in your checking account. This method works for a couple reasons. First, you'll never charge more to your card than you can afford to pay back. Second, you'll never have to pay interest on outstanding balances.

When you use a credit card, you are essentially borrowing money from whatever bank backs your card. You have paid for the item, but you still have to pay back the money you borrowed. Most loans have a minimum balance set that you have to pay on time every month to avoid a default. Credit cards have this too, but they are usually very low. Most cards require a minimum payment of at least $25 a month. This is one of the biggest culprits of spiraling credit card debt. Why pay more than $25 if you can avoid it?

Also, just paying the minimum required leads to carrying a balance on the card. This outstanding balance still counts toward your credit limit. You shouldn't be charging too much to your card anyway, but the outstanding balance will further limit the amount you can charge. Not to mention charging more than about 30 percent of your credit limit will reflect poorly on your credit score. It's best to keep this as low as possible anyway.

Let's not forget about interest. Carrying a balance from month to month causes interest charges to be added to your account. Depending on your credit score, most cards charge between 13 and 20 percent interest. This really adds up quickly when you have a bigger balance. Fifteen percent interest on a balance of $100 is just an extra $15. But 15 percent interest on $400 is another $60. And you can be charged interest on the new increased balance the next month if you don't pay it off in time. If you keep this going for awhile, you could easily rack up a huge, overbearing balance. It's just not worth it to carry a balance month to month on a credit card.

But still, the most effective way to avoid stacking up a lot of debt is to just not use credit cards at all. Or very sparingly. If you don't think you can control your spending, it's best to just not use credit cards at all.

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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