​In today’s world, credit is integrated into everyday life. From renting a car to reserving an airline ticket or hotel room, credit cards have become a necessary convenience. However, using credit wisely is critical to building a solid credit history and maintaining fiscal fitness. While most students have a general idea about the advantages and disadvantages of credit, this webinar provides an opportunity to discuss these issues in more detail.

1. ​character—will you repay the debt?

2. capital—what if you don’t repay the debt?

3. ​capacity—can you repay the debt?

​1. SAVINGS

Emergency Fund 3-6 months

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2. PROTECTION

Combination of health and life insurance in between

(L-I-F-E) “IF”

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3. PLAY FUND

Shopping, traveling, hobbies and short-term fund

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4. INVESTMENT