From my experience. I really do know what is my position, then decide the target! Plan to succeed. There is real magic in enthusiasm. It spells the difference between mediocrity and accomplishment. -- Norman Vincent Peale
1. Pay off your credit cards in full on time each month. 2. Never go beyond the interest-free grace period.
By doing this, I get to use their money without paying them anything for the privilege. And they hate me for doing that and calling me names....