This is a little scary….the average low to middle income family in the U.S. has nearly $10,000 in credit card debt. If you make only the minimum payment on a card with a 15 percent interest rate it will take about 28 years to pay it off and you’ll fork over 12,000 in interest! That should serve as enough incentive to not use a credit card at all, or at the very least, don’t charge more than you can afford to pay off every month.

Mandy’s Fabulously Frugal Fact is made thrifty by:

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