First things first: I am a 28 year old male and am in no way to be considered a financial professional or advisor. Any topics, banks, stocks, mutual funds or business I may discuss are not to viewed as a “how to” or recommendation. The intent of this blog is a way of keeping myself honest – with the thought that if I make my struggle public, I’ll have no choice but to follow through on resolving it. If someone reads it and finds a post or two helpful – that’s great too.

I applied for my first credit card after graduating college.  The purpose was to help me make ends meet on a low, entry-level salary.  It was all down hill from there…

Follow me on twitter @kc_jones