Credit cards should be avoided at all times, unless you have the money to pay them off each month. Or if you're getting zero-interest financing and you are able to stick to the plan of paying it off before interest gets added.

Getting into credit card debt is one of the most common and worst poverty traps. Getting behind on credit card bills can ruin your credit and take years to repair, which impacts your financial stability when it comes time to make a purchase with Real Credit such as a home or car.

My best poverty tip is to not buy expensive things that are unnecessary. Also cook your own food at home, and learn to repair anything that you value. I've saved thousands of dollars over the years by doing my own car repairs, and driving old cars long past having them paid off.