There are those who have seen the use of a credit card as a necessity. In that sense they have fallen into a vice from which they cannot leave.
Are you one of those who cannot live without cards? We have news for you! It is an evil that has a cure and now you will discover how to get rid of this terrible suffering.
Change the chip: start with a debit card
Sometimes changing the chip is difficult, especially when we are used to take out the plastic every time we pay. Help yourself and start using a card, yes, but debit. That way you will only be paying with money that is yours.
Wallet with cash
If you want to keep better control of what you spend, using cash can be an option. That way you will know how much you have left in your accounts to spend the rest of the month. I know it doesn’t sound easy, but it will help you control your personal budget .
One trick that has worked very well for me not to exceed my monthly expenses is to separate the money I will use for each purpose. Thus, for example, you can divide your weekly expenses or your expenses in a more timely manner, by month.
Open a savings account
Ideally, according to personal finance experts, we save at least 10% of our monthly income. It will help us in an emergency and also allow us to have funds for other purposes, such as a trip. Having savings will prevent you from using credit for some important expenses.
Finally, I also advise you to think before using your credit card : Do I really need what I am going to buy? Would something bad happen if I don’t buy it? If the answer to both questions is NO, then try to avoid spending, so put your card back in your wallet, many purchases are really not necessary!