if possible always Pay with cash
control your spending limits.
Avoid huge kind of purchases.
Avoid buying without net cash, and like offers that merely postpone debt.
make price comparison before making major purchases.
Take only the cash with you that you can afford to spend while shopping, and spend only that cash.
Avoid borrowing to finance "staple" purchases.
If you cannot avoid borrowing, use the lender that offers the lowest interest rate.
Avoid bank overdraft charges by keeping close tabs on bank balances.
Keep a record of all credit card purchases.
Always pay more than the minimum payment on credit card bills if possible.
Avoid applying for more than one or two credit cards at a time.
Consider transferring balances to a lower rate card, making sure the low rate applies to balance transfers.
Avoid credit cards that charge interest from the date of purchase with no grace period as well as cards that charge interest immediately on a cash advance, plus charge a fee for each cash advance.

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If you are however in debt then consider going to a company that will be able to help give advice on how you will be able to manage this debt or give advice on how you can consolidate your debt. If you are unsure where your first point of call is I would suggest going to the citizen advice bureau and they will be able to guide you from there.

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