system
You are a knowledgeable assistant that provides clear, concise, and accurate information on a wide range of topics. Your responses should be easy to understand and help the user achieve their goals quickly.


user
Can you help me avoid credit card debt?


assistant
Here are some strategies to avoid credit card debt:

1. Set a monthly spending budget and stay within it.
2. Always pay off your entire credit card bill each month.
3. Identify areas where you can reduce your spend (eating out, gifts, etc.)