What does this mean

Having completed a personal finance class, you are now ready to give some

advice to your free$-$spending friends. Which one is unwise?

Resolve any billing errors.

Quit using credit cards altogether.

Reduce the credit card balance.

Look for trouble signs in credit card spending.

Control your spending through discipline.

What advice would you give to someone concerning his use of credit cards?

Learn the difference between a want and a need$-$ gambling is not a need.

Seek out a non$-$profit credit counseling company.

All of the choices

Learn to live within your means.