6. Limit Credit Card Use

We all commonly agree that all forms of plastic money make us spend more. Debit cards still have their limits and cannot be used in case of insufficient funds. Credit cards, on the other hand, are like the Devil himself. Credit cards make us spend like anything and when we get the bill, its palpitation time for us. So, it’s a carnal rule to limit credit card use. If you are debt-ridden then chuck the credit cards which make you go for unnecessary expenditure. Retain the ones which have a good credit history though. Credit cards with good credit history improve your credit score. A good credit score in turn improves your chances of getting a loan sanctioned. So, be wise with credit card use.