I want to conquer the unknown. I really, really want to live on the water and captain my own boat. I have dreamed of going around the world on a boat.
Here's my gift-giving rule: Respect your current financial situation.
I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.
Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.
P. L. Travers