4. Limit any kind of spending (unless it’s urgent)
If throughout the holiday season you spent a lot of money on your credit card, now’s the time to put it away. After the holidays are over, carefully consider where your monthly income is going. Examine your budget very meticulously and keep track of what expenses your income must cover and what you should do with any extra money. And every time you’re planning on buying something (that you really need), stick with paying with cash because it’s a better alternative.
A lot of people, including myself, tend to overspend when paying with a credit card, and that’s a big problem, especially when your budget is a bit tight.
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