Are you using credit cards as part of your financial plan, or are credit cards using you?
It is so easy to fall into credit card debt. The convenience of using a credit card can become a burden when you do not keep track of your spending during the month. Don't wait to be surprised by credit card bills at the end of the month, keep a register of all your expenses or use personal finance software to keep an eye on credit card charges.
How to Get Out of Credit Card Debt
Stephanie Gallagher gives excellent advice on whether you should use debt management plans along with some great alternatives for using credit cards. You can be a smart consumer who uses credit cards in your financial plan instead of falling into the trap of letting credit cards use you.
Related: Credit Cards That Earn Money
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