So, how to manage your finances? How can you save money if you have credit cards behind your dreams? Well, the first question is: Why do you need a credit card? Did you get credit card for your bills or for just convenient for online shopping or just for fun?

If you want to save money using credit cards then select the one that will give you something in return or give you rewards and low interest rates. But if your history is not good then most of the credit card companies will give you the highest possible rate charges as they can get. But you can still manage your finances by not charging your credit card with the over limit or late fees or delinquent payments.

Try to pay off any charges you have in your credit cards as you can and do not buy or charged anything with it unless have some cash coming to pay that off.

In short, do not spend if you cannot afford to pay it back.

I did have my credit cards but not because I need it but because it's more convenient to do the transaction online like shopping if you have one.

I don't think it,s necessary to apply so many credit cards if your job is enough to support for one credit card.

Anywhere you go when you buy stuff is asking credit card and it is very easy just to pull it out in your pocket or wallet then pay for the items. But you have to remember your credit limit before getting overdraft.

Not like bringing the cash in hands, you need to count how much you need to give to the cashier and then it takes time. But most safe for you not to overcharge any cards. We all need some type of comfortable and fast transaction in terms of shopping. But self discipline plays an important role.

But you do not have to collect a lot of credit cards and then buried in debt because you forget to pay the others cards you have. So either you have credit cards or not it,s really up to you if you want to save money by not buying nonsense items anywhere you find.

There are many times that I went out, I supposed to just let my anger pass away or boredom but then I spot something that was pleasant to my eyes then I just grab it and pay for it. One thing I knew when I came home, I don't even need it.

Self- control is very important in terms of financial matters in life. Without it you will ended up filing bankruptcy or more debts in the future or more financial crisis.