Consider keeping credit cards at home. If your cards are not in your wallet or purse, you won't be as inclined to buy on impulse. However, keep a gasoline card on hand in case of road emergencies. Maintaining good credit will ensure future borrowing ability and better interest rates. Pay attention to the fine print.
Some cards advertise very low interest rates.
Find out what the rate will be after six months. Track your debit card charges. Using a debit card is just like using cash. The total amount of the charge is automatically deducted from your checking account. Therefore, it is important to record transactions in your checkbook as soon as they occur.