Credit card facilities can facilitate in the beginning, but also could be troublesome in the end, so you need to be wise in using it. Resist the urge to buy clothes and jewelry may be a bit difficult but in the following ways, you’ll be able to do it:
Leave bad habits in debt
Do not pamper yourself and use all the credit cards, and then delay payment. If you delay the payment every month, in addition to paying the interest is big enough, you also have to pay interest on the bank interest! Obviously this is very profitable for the bank. So, first of all, pay your credit card bills that have most numerous high interests. Then, use the rest of the money to pay the bill of another card.
Cut unnecessary expenses
This step can be done in a way that is easy, for example, stop your membership at a fitness center, and if you are indeed rarely use it. Why are you wasting considerable money for something that you do not need? In fact, you can allocate the money to other purposes.
Do not be easily tempted by offers of products you do not need
For example, there was a salesman came to your house and kindly offered a washing machine. Actually, you did not need it because you already had a washing machine but you felt it was fairly inexpensive product, so you bought it. This was the futility because you really did not need a washing machine and you’ve thrown your money for something less useful.
Use cash to impulsive purchase
For example, when you are taking a walk in the supermarket, suddenly you want chocolate. Although chocolate was fairly expensive (at least, it’s limit price has been able to make you using your credit card), use cash. Thus, you would immediately be aware of the amount of money you spend. By using the cash, then you are getting helped to realize the waste that you just did.