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Money and Finances
Reply to "Help - I rack up such a high balance on my credit card every month"
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[quote=Anonymous]In my 20s I had a credit card mainly for emergencies. I'd use it for big purchases, but only ones that I could pay off right away. I just wanted to make sure the cash was line up first (moving from my savings) so I didn't want to risk a debit card over draft. And that was it. I used a debit card, and I checked the balance daily. Do this until you have good habits. I'd also suggest paying off your credit card weekly, not monthly. That way, after the first two weeks of the month, when you see you've spent too much, you know to cut back. Nothing "extra" the last two weeks of the month because you overspent. Avoid Target. When you do go, make a list and don't buy a single thing not on the list. Seriously, Target can make you part with your $$$$s FAST. [/quote]
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