I am now in an unfortunate financial mess, and it is only now that this realization had hit me. Fortunately, the site still lists some credit card providers that I have checked out. I did have a credit card application that was just currently approved, even with the low credit rating that I have.

For my regular expenses, I would choose to save a part of my earnings in different
savings accounts, which are invested in money market instruments. I plan to set up several savings accounts for my emergency expenses too, to take advantage of their liquidity.

In the near future, I plan to invest in certificates of deposit, or CDs. There are several CDs that offer attractive cd interest rates. I find this to be the next worthwhile financial goal that can be
established.