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.
- ①It is not wise to regard credit as a part of income.
- ②For debt-free living, it is helpful to live with one credit card.
- ③If you work with dedication and diligence, you will be able to live free from debt.
- ④To spend money with a plan will relieve you of the stress of barely making both ends meet.
정답 ③
출처: 인사혁신처 공개 기출(공공데이터포털, 이용허락 제한 없음)