Seven: Limit Credit Card Usage

Credit cards can be convenient, but they can also lead to excessive spending and accumulating debt if not used responsibly. Aim to pay off your credit card balance in full each month to avoid interest charges. If you struggle with credit card temptation, consider leaving them at home and using cash or a debit card for purchases. By using credit cards wisely, you’ll be able to maintain a healthy credit score and save money on interest payments.