14. Using Credit Cards Wisely (Feat. Keithly Garnett)

In this episode, Keithly Garnett, a seasoned CFO, breaks down how credit card habits are formed, how to recognize the financial behaviors that can lead to trouble, and how to make intentional decisions before debt begins to escalate. The conversation focuses on practical strategies for using credit responsibly, shifting from reactive spending to disciplined planning, and understanding how to leverage credit cards as tools rather than liabilities. With clear insights and real-world guidance, this episode helps you build stronger financial awareness, develop healthier money habits, and use credit with confidence and purpose.Save It, Spend It, Share It! is hosted by Kathleen V. Diaz, Treasurer/CFO of the Southern California Conference of Seventh-day Adventists.This video is produced by the Southern California Conference of Seventh-day Adventists, supporting local churches, schools, and ministries across our territory. Our mission is to exalt Christ by cultivating healthy churches and schools. 🔔 Subscribe for new videos each weekhttps://www.youtube.com/@SCCAdventists?sub_confirmation=1📰 Subscribe to Our NewsletterGet ministry updates, stories, and upcoming events:https://scc.adventist.org/subscribe🎙️ Listen to Our PodcastsThe Ministry Path — Conversations, tools, and encouragement for pastors and ministry leaders.https://open.spotify.com/show/1i1UfIeq551j9OSv0L9nz4?si=08f70dfb430f43a5Save It Spend It Share It — Practical, faith-based guidance on money, stewardship, and generosity.https://open.spotify.com/show/4dxZUfwdQRYdhyPaH8peqa?si=cd793aac21174bb9🌐 Visit Our Websitehttps://scc.adventist.org📱 Follow Us on Social MediaFacebook: https://facebook.com/sccadventists/Instagram: https://instagram.com/sccadventists/TikTok: https://tiktok.com/@sccadventistsLinkedIn: https://www.linkedin.com/company/sccadventists