THE BEST WAY TO BE FINANCIALLY DEBT FREE, IS TO
STAY OUT OF DEBT.

WHO SAYS YOU NEED A CREDIT SCORE?
YOU DON’T NEED ONE IF YOU INTEND TO STAY OUT OF DEBT.

A BORROWER IS THE SLAVE OF THE LENDER.
IT CAN’T GET ANY SIMPLER THAN THAT.

~ ALAN IAN ATKINSON
Writer, Author, Storyteller