Discover essential tips for borrowing responsibly and safeguarding your financial health. Our expert guidance covers key strategies such as evaluating your repayment capacity, understanding interest rates, and avoiding high-risk loans. We emphasize the importance of creating a personalized borrowing plan that aligns with your income and expenses. By following these practices, you can minimize the risk of falling into debt traps while making the most of available credit. Empower yourself with the right tools and knowledge to borrow smartly, ensuring financial stability for you and your family.