Q: . Before you even try to start developing credit, you need to have a budget in mind. If you don't, your credit could quickly get out of hand. So make a list of your monthly income and all your monthly expenses, and be sure that they even out. Better yet, end each month with an income surplus. Do sufficient research before you sign up for a credit card. Remember to ask for a list of terms and conditions before signing up. In particular, look at the following:  The Annual Percentage Rate. This is the interest rate you will pay annually on your balances. With most credit cards, you can avoid paying interest if you pay your balance in full each month.  Penalty APR. If you’re late with payments, a credit card company will typically increase your APR. You should find out the rate. APR for balance transfers. You can transfer debts from one credit card to another. Check whether the credit card offers a promotion 0% APR. Fees. Credit cards assess many fees for cash advances, balance transfers, and late payments. Often, personal loans are a better option than credit cards. With a personal loan, you generally will pay a lower interest rate. You also can make equal payments on a personal loan over time. With a credit card, you pay a lot upfront, which slowly decreases each month until the balance is paid off. You should choose a personal loan over a credit card for longer-term financing that you can’t pay off immediately.  However, you should only get a “secured” loan in a few circumstances. When you secure a loan, you pledge other property as collateral. This means that your lender can seize the property if you default. Car loans are typically secured by the car itself, and home mortgages are secured by the home. These are the only two secured loans most people ever need. Payday loans are short-term loans given without a credit check. Unfortunately, payday loans charge sky high interest rates, often around 400% or more. Many payday lenders also require access to your bank account so they can withdraw the money if you don’t repay on time. You should avoid payday loans at all costs. Instead, consider the following alternatives:  Personal loans. You can often get these loans at a reasonable interest rate. Loans from friends or family. You might be embarrassed to tell people you know that you need money, but the embarrassment is preferable to a payday loan. Pay advance from your boss. Your employer might be willing to advance you a small sum of money. You might take money from an ATM when you need cash. Look elsewhere instead. Although not as bad as payday loans, cash advances charge very high interest rates which can put you deeper into debt. For example, you accrue interest immediately with a cash advance. By contrast, your credit card company usually gives you a grace period on purchase. Not so with cash advances. By paying only the minimum, it could take years to pay off a credit card balance. You should pay more than the minimum each month to reduce the amount of interest you pay.  Your credit card statement should tell you how long it will take to pay off your debt if you only pay the minimum. It should also calculate how much of your repayment will be interest.  Generally, if you pay double the minimum, you can cut your payments in half and lower the amount that goes to interest.
A: Create a monthly budget Find the best credit card offers. Know when to seek a personal loan instead. Avoid payday loans. Be wary of cash advances. Pay more than the minimum.

Q: You will need to keep careful track of your scheduled hearing so that you do not show up on the wrong day or at the wrong time. You also need to be on time, which really means arriving early. You can be better prepared, relaxed, organized and ready to state your case when you are not rushing around.  If one of the parties doesn't show up, the other party may win by default. Ensure that you get your fair chance by being present at the hearing. If you cannot attend court on the day of your hearing, you can file for a postponement (or continuance). You need to file this claim no fewer than 10 days before the hearing, pay a fee, and have sufficient reason for requesting the extension. If English is not your first language and you think you might encounter difficulty presenting your case, you can bring an interpreter with you. This person should be someone who is a friend or relative but not someone who is directly involved in the case. This is not a witness and is only there to help you communicate to the judge about your case.  If you don't have someone you can bring, you can ask the court clerk to give you a referral to interpreters. These individuals typically charge a fee for their work. If you cannot afford to pay an interpreter, you can ask the court clerk to provide you with an interpreter for free. Treat this hearing as you would an important job interview (or even a funeral), and wear conservative business attire. Wearing a suit is not necessary but it reflects well on you if you appear to take the proceedings seriously.   Be respectful of the judge, and don't argue with the judge. First impressions are important, and presenting yourself as a respectful and dignified person can go along way to helping you win your case. This is especially true if your opponent is disorganized, appears sloppy, or behaves rudely. Remain calm and collected throughout the proceeding. Bring copies of each document you've filed, along with every piece of evidence you plan to produce. Keep everything organized so you can find what you need quickly when you need it without delaying proceedings while you shuffle through papers. If the defendant says something that is untrue or that you don't agree with, don't automatically shout out in your own defense. You will be given the opportunity for rebuttal. Just make a note of what was said and address the untrue statement when it is your turn. Waiting for your turn will make you appear more professional and respectful, and the judge will appreciate it.  Never speak to the opposing party. Direct all of your statements to the judge. Present your case in a calm, thorough, and straight-forward manner. Be sure to tell your side of the story with facts and back up your statements with the evidence you have gathered. Provide lots of details and be ready to present your evidence when asked.  Avoid overblown or exaggerated statements or extensive appeals to emotion. The judge will make a decision based on the facts and legalities of the case, not emotion.  Include statements by your witnesses (either written or in-person) to further support your case. Let the court know if you have witnesses at the very beginning of the proceeding. Come prepared with the story of what happened, and tell it in a clear and relatable way. You'll be more likely to win if you present yourself and your situation as understandable. You want to bring the evidence to prove that you're in the right, and bring the demeanor and attitude so that the judge is willing to empathize with you. Be prepared to tell the judge the exact events that led to your loss. Speak about each specific piece of evidence for your case and attach specific dollar amounts. Avoid making a vague argument or just insisting that you have been wronged. The other person will tell their side of the story, and chances are, they are arguing just as hard as you are, particularly if a decent amount of money or someone's reputation is involved. If you listen and take notes while they are speaking, you will begin to identify holes in their story or missteps that will further strengthen your own case. After the person has finished speaking, you will be given a chance to speak again and address their claims. After the judge has heard both sides of the story, he or she will make a ruling on your case. Listen to the ruling and do not interrupt or show any signs of objection or approval during or after the judge's ruling. Just listen and respect the judge's ruling.
A:
Know the date and time of your court hearing. Ask for an interpreter if you need one. Dress and behave in a professional manner. Describe the event that gave rise to your claim. Follow up your description by stating how much money you are requesting. Listen to the other party. Listen to the ruling.