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Is a credit card right for you?

Credit cards can give you an interest-free loan for your spending and other perks, but they have to be used responsibly.

The main risk of credit cards is that of snowballing interest payments and fees. Interest can be charged at more than 24 per cent per annum on rollover balances .

FOR fresh graduates, the impending transition into the working world can be both exciting yet daunting.

It is a milestone signifying the end of an era of financial dependence.

The road towards financial independence, filled with mind-boggling financial choices, is not an easy one...

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