How to use your credt card smart at your shopping

How to use your credt card smart at your shopping

by Leslie Kovacs

If I want to categorize the people from the point of view of spending, two types exist independently their financial background. Those who know of how to control their spending and avoid huge credit card debt, and those who don't.

One of the basic mistakes which the people frequently make is they buy everything for credit and after find themselves in the rat race of paying off their credit card debts.The other, the majority of the average people does not even think over that there is a way of saving lot of money at shopping and find great pleasure in the same time. Our school system is great independently that we are talking about the USA or Europe or Canada or Latin-America, etc, since it creates excellent professionals in different fields, different sciences. One thing the schools fail to teach. Although it would be very-very important to learn. This subject is the Subject of Money. Basic financial education. And it starts with learning of how to control our daily and weekly spending, how to avoid becoming in huge debts, at shopping how to save huge amounts etc.

And than let me get down to the brass tracks. First, if you have credit card, do not buy more with it just as much as you can afford from your financial background. Here is the point. If your credit card is unsecured that means there is now money on it you buy everything from the beginning on credit. This is I think very bed custom of our every day life.

But if you secure your card and put $300-400 than you know that until this amount you can purchase with your card without being in debt. What I say is that you pay close attention how much money you can spend. You must learn of how to take control of your spending and it starts with careful and mindful purchase with your credit card.

Second, if you are already in credit card debt, first pay it off before you do further shopping. Do not let yourself to fall into that huge mistake which most of the people do: keep purchasing on credit just because they see the ads of the local supermarket which say why they have to go shopping now!!!!

Take control of your spending and you did the first step toward a more stable and secure financial background.