Credit cards will lend you money and this is an advantage that you can use to your advantage.
The problem is that it is too easy to pay with the card any temptation and, when the monthly statement arrives, one can only lament the debt.
Get organized so that it’s not your problem and get alarmed no end of each month.
Steps
1
Make a list of things you need to buy immediately and can not pay in cash.
Add it what you want to buy this month, though not as necessary.
2
Estimate how much money you will need to purchase anything listed on the list and see if you can pay with the card.
3
If spending exceeds your budget, accused of the list the little things until you reach the figure lower than what you will pay for your short this month.
4
Do not use the card for small purchases that you can pay in cash.
Accumulate many small expenses you create a great debt.
5
Use your card only to buy things on the list you’ve done.
Do not pay her what you consume or use all the time.
6
Leave the card at home and not go out with her if you have an emergency.
Be honest with you and all rely on: How many times have you used your card to a real emergency this year?.
Carry a small cash reserve in a safe place in your wallet will be more useful than being subject to “the temptation of the card.”
7
Avoid having multiple cards.
Otherwise, it will be difficult to determine their level of consumption and make wise use of your credit.
8
Take 24 hours before I let you be tempted by an offer of something you do not need.
You’ll see that tomorrow you will no longer so attractive.
9
Provides for the payment of credit card within your monthly budget. So do not lose control of your finances.
10
Carefully read your statement.
In addition to seeing what the minimum payment and credit limit, will serve to concientizarte on how you use your card.
11
Do not use the card near the cutoff date.
That leaves you little time to pay for your purchases because you are very close to the due date of your summary.