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Jackie came to me for some advice on her personal finance and credit cards. I told her don't use a credit card to pay for things you consume quickly, such as meals and vacations, if you can't afford to pay off your monthly bill in full in a month or two. There's no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there's something you really want, but it's expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it's due and avoid interest charges. I recommended that she get a hold of her spending. Write down everything you spend for a month, cut back on things you don’t need, and start saving the money left over or use it to deduce dept more quickly.