(Jessica) Welcome to Money Matters on the Southern Bank Financial Wellness Network. I'm Jessica.

(John) And I'm John!

(Jessica) And today we're talking about how to avoid overspending on credit cards.

(John) You know, Jessica, credit cards can be helpful tools and a great way to manage your money when used wisely, but it's easy to reach for them a little too often and get buried in credit card debts and fees. A great way to avoid overspending is to treat purchases as if you're paying with a debit card or cash, and only make the purchase if you already have the money to pay it off.

(Jessica) John, that takes a lot of discipline.

(John) Yes, it does, but paying off your credit cards every month will keep your credit score high and keep you from being overwhelmed in debt.

(Jessica) What if you do find yourself with a mountain of debt?

(John) First, stop using your credit cards, and develop a payment plan to eliminate your debt as quickly as possible.

(Jessica) That sounds like a topic for another Money Matters. We'll see you next time on Money Matters, and remember, Financial Wellness starts here!

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