Why you should avoid a bad debt, but not to blame yourself

The best way to get the most out of your credit is to take the time to understand what’s going on in your life and figure out what your biggest mistakes were, says Dr. Steven A. Green.

Dr. Green, an assistant professor of psychiatry at the University of Pennsylvania School of Medicine, said in a recent episode of Dr. Phil, “When we’re not looking for solutions, we’re looking for excuses.”

In his new podcast, Dr. Greenberg takes a look at what he says are the biggest mistakes people make when trying to figure out how they got into a financial mess, from debt, to overspending, to credit card debt.

Here are five of his top tips for avoiding debt and saving money in the process: 1.

Make sure you have a plan 2.

Pay your bills on time 3.

Use credit cards wisely 4.

Learn about your financial goals and your options 5.

Be flexible on debt payments