Budgeting
Working part-time can make it really difficult to budget, especially if you work shifts and your income varies from month to month. If you’ve had a really good month and worked lots of shifts, you might be tempted to spend all the money you’ve made. However, next month you might not get as much work and you could be short of cash to pay your bills if you didn’t save anything from your last paycheque.
Alternatively, if you’re thinking of making a big purchase, you might find that you don’t have enough disposable income left for this if you’ve had a tight month so it could take you longer than you planned to save up for it.
In these scenarios, you may find yourself considering applying for a credit card. This could make it easier for you to pay your bills or for goods outright and to make smaller, more affordable monthly payments to cover the cost of the big purchase you made.