This is a guest post by Lacey Cook. Lacey is an author who writes guest posts on the topics of business, marketing, credit cards, and personal finance. Additionally, she works for a website that focuses on educating readers about first time credit cards. There are lots of reasons why you should use a credit card. [...]

The average American saves less than a dollar of every $100 earned. This shocking statistic goes a long way to explaining the $14 trillion debt that America faces in it’s hushed but very real economic crisis. America has been living beyond it’s means for decades now. But it’s not alone. Many western societies are driven [...]