Credit Education
Like many young people my age, I was forced to take Business/Consumer Education in high school. Maybe force is too strong a word. The course was required to graduate.
Over the semester we learned how to do our taxes, a little about mortgages and we had a small portion of curriculum set aside for small business development.
What we were never taught was: How to apply for a credit card. What happens when you can’t make a payment? The perils of bankruptcy.
Now, as an adult in my thirties, I have had to learn those lessons the hard way. I should say the last two were hard. Applying for the credit card was easy.
But, as many of you know, I received my adult education credit when I signed up for a debt management program with Full Circle Debt Solutions. Robert, my debt counsellor, was my instructor. After a few meetings and a dozen emails, I had a management plan in place that I was proud of.
With less interest to pay, no collection calls and a move towards improving my credit, I was certainly better off than I was after completing my B.Ed. class.
And too think how close I came to declaring bankruptcy. Yikes. That would have been a disaster.
Business Class
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