They're convenient, but they can also be your fast track to financial problems. Because it's so easy to withdraw money, you can overspend almost before you know it. Try not to visit the ATM too often. When you do, make the smallest possible withdrawals. Save your ATM receipts, and record your ATM withdrawals in your checkbook register.
Credit cards are loans in disguise.
You have to pay interest if you don't pay the whole bill at the end of the month. Your monthly payment includes interest or finance charges of up to 23 percent until your total bill is paid off. You'll probably also have to pay an annual fee just to have use of the card. If you feel you must have a credit card, save it for a real money emergency. If you can't pay the whole amount you owe on a bill , pay the minimum allowed on the bill.