[9급 지방직 영어 2010년 19번]

The biggest hurdle to cross is realizing that credit is not an extension of income. Living within your means can require a major lifestyle change. Credit, when used wisely, is a useful money-management tool, but learning when and how to use it requires dedication and diligence. However, most consumers who have successfully made the change to debt-free living say that living with one credit card and using a spending plan has created a sense of freedom that they have never known before. All the stress and negativity of living from paycheck to paycheck has vanished.