Les Fletcher Use credit cards as a way of convenience rather than for credit. Gather the points, but pay the balance in full. If you need extra money for a large item obtain a line of credit from the bank.
Layla Saku I have a fixed amount of money I intend to save each month. As the month goes along I write down everything I spend so I know on a daily basis how much I have spent so far.I find that by doing this it stops me from spending impulsively.