Reply to Help - I rack up such a high balance on my credit card every month

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[quote=Anonymous][quote=Anonymous]I think that OP needs to develop a credit history. If she ever wants to get an apartment or a mortgage, she will need one.

Now it the time to learn how to use credit responsibly! It's good that you're getting the spending under control when your bill is still in the $700-900 range per month.

The previous suggestions to budget and add things weekly are excellent. Also, define for yourself what you WANT to use the credit card for -- plane tickets, gas, grocery store are all good places that come to mind. Also copays at the doctor (helps me track reimbursements).

If you want to cut down on restaurants, make sure you're packing your lunch for work. This way, you still have some money in the budget to eat out with friends on the weekend. Make sure you're paying in cash, tho. Don't put it on your card and have people pay you!

If you slip up at Target or buy more clothes that you budgeted for, return them.

Good luck. I think you can get this under control quickly.[/quote]

Agreed!! Thank you! Yea I'd like to keep my spending on this credit card to under $300 a month- only the VZ bill, grocery store for food, and gas. Co pays too, definitely. Oh yea, I definitely don't eat out for lunch everyday.

Thanks for all the great suggestions everyone, I'm going to try some of these!![/quote]

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