# 2: Make special events truly special without getting into long term debt. (nationalcashcredit.com)
Typically banks charge higher interest rates on loans which qualify as long term debt than they they pay on deposits (short term debt). (wikinvest.com)
If one can avoid all those behaviors, he / she is sure to have a good credit standing and would never have to worry about long term debt. (thedigeratilife.com)