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Entering the world of personal finance can be overwhelming, and a basic understanding of terms is critical to your financial well-being.

Credit or debit, two of the most fundamental terms related to spending, can often be confusing if you don’t know the differences. Whether you’re just starting to think about your money in the long term or simply need a refresher on best practices, it’s helpful to know what each means, when to use them and how to make each work for you.

Read the full article in the Finances FYI section of The Seattle Times, sponsored by 1st Security Bank.