For my montly needs i made a list,how much money i need for food,for kids needs,for gas etc.
If my family or me need bigger thing we made plain of saving,we never go and buy anything on credit NEVER!!!
My parents learned me "What you have in pocket thats yours and that you can spend as you wish"
So i have debit cards,of course,its not wise to have lot money in pocket,but i know how much i can use from debit card.
My advice to all youngs is to be wise and to stop buying on credit!
Dont go from one credit to another,on the end thats only will make you big problem.
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