"When she moved to America from Ireland in 2020, the writer had a single credit card and owed the bank €1,000 - but her casual approach to borrowing coupled with America's predatory credit culture proved a dangerous mix."
"My advice doesn't really fall into either category. I might tell myself to stay away from men with goatees, or that I should try not to pick fights with people on social media."
"Perhaps a more circumspect choice would be: do not borrow money from anyone - friends, family, banks (including by way of credit card) - unless it's a matter of life and death."
The writer reflects on her financial journey after moving to America from Ireland in 2020. With a single credit card and a debt of €1,000, her casual borrowing approach clashed with America's predatory credit culture. She contemplates advice for her younger self, suggesting a more cautious approach to borrowing. The key takeaway is to avoid borrowing money unless absolutely necessary, emphasizing the risks associated with casual lending and the importance of financial prudence.
Read at Independent
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