You definitely have to spend within your means. You should carry cash, because you feel it more spending it than swiping a card. Credit card companies make money hoping you slack. That's why you should always be on top of it. As soon as the bill cycle changes it, pay the bill, to insure you get no late, interest or finance charges. If there is ever a time you have to make a big purchase that you'll have to pay over time, budget your money. Very important to keep track of your finances. It sounds hard, but it really isn't, use restraint.