Two key elements or factors that help to keep a good credit history are: to protect credit capacity and privacy. You will wonder: How can I protect credit capacity? To protect your credit, you should make sound decisions on how to use it:
1. It is essential to set priorities, that is why it is advisable to prepare a budget and strictly stick to it.
2. Limit the number of credit cards you have. Avoid having to pay a credit card debt with another card. Keep in mind the high interest charged for using credit cards.
3. Develop a saving habit.

Reaching wealth is what most people want. Apart from the attitudes and differences of people who achieve that goal, there are those who believe in a magic formula to make that dream come true. However, what is that magic formula? I think it does not exist (which is good!); I’ll give my opinion on this.

The number 1 excuse not to save is ‘it’s not enough’. As a matter of fact, no-one has more money than necessary; however, saving has nothing to do with how much we earn, but with developing the habit. Regardless of whether you have a highly profitable business or a low pay, 10% is always 10% to anyone. What do I mean by this? That it is not a matter of income, but of perseverance. Rather than a large or small figure, what really matters is to set aside part of your income to reach longer-term goals.