Not trying to sell his book by any means, or tell you go to his seminars, but you should check out Dave Ramsey's website, and if you can, listen to his radio show a few times. It's on conservative talk radio stations, but if you're not republican/political, don't worry.. there's very little about politics ever mentioned.. it's not an Obama bashing talk show.
His radio show and books are about getting out of debt and staying debt free. The only debt you should ever really get into is a mortgage.. maybe student loans, although he doesn't suggest even that. Credit cards aren't worth it. You also do not need a credit score for anything except getting into debt - which is bad. You can still get a mortgage without a credit score, they'll just check things like your utility payment history.
You don't need credit cards for an emergency either.. depending on how old you are, you should just have an emergency fund built up of three months worth of your bills and then continue to save for whatever it is that you need. Without a credit score, you might need to pay security deposits on things that you wouldn't if, say, you had 700-800+ credit score, but even if you're new at receiving credit, your credit will not look good (not bad, it just lacks a long history) so you'd probably get stuck with the same deposit anyways.
Trust me, from someone who came down to hard economic times and tried to use credit cards to keep myself afloat (after years of saying I'd never do that and I consistently did pay off the balance within a month or two) it's not worth it. I'm still working on becoming debt free myself, but it is not something I will ever get myself into again. I will not get credit card debt ever again. I'm slowly working towards having no credit! (Or at least only my mortgage on my credit).
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