Many People often carry credit cards only to keep up with the Jones's. This can lead to spending money you already don't have and put yourself into more debt than you may be in. Sometimes it is way to easy to whip out that credit card and pay for those RIMs, that new purse, or those new shoes.
To keep yourself grounded if you have to use a credit card, you should check your regular bank account and ask yourself: If I didn't have this credit card, would I be able to buy this. If your answer is no to that question, then maybe you should wait until you can give yourself a yes to that. BUT if your answer is yes to that question, then why not just use that good ole debit card to pay. Those are the type of life decisions to start with to better your financial situation.
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