Even when you have a credit card with low interest in your pocket, it is better to just keep your sanity intact and be in control if you really want to improve your finances. You shouldn’t have to be reminded what got you here in the first place. So if you are thinking of splurging, hold that thought and try to recall for what you got your credit card for no credit to begin with. These are there to help you out and guide you to achieve a better financial position. Don’t Refrain From Paying More Than Just The Minimum Whenever you make your monthly credit card payments, you come across a set minimum amount that you can pay. This is just there so you can avoid late fees and that prevents you from losing your incentives. Now, the right way to go about it is to use this facility for the month where you feel you are heading towards tighter days. When you are on a limited budget, you should aim for just the minimum but it is never a wise idea to stretch that over a long perio