* DONT SPEND BEYOND WHAT YOU EARN.
This is particular to those credit card addicts where swipping it is their life. They spend most of their needs on cards, groceries, gadgets installment etc. They spend beyond their limits and usually paying excess charges because of this. They often didnt get through this swipe pay cycle because of their limited fund capacity.
Saving is most important thing before we make spending. Saving our money for emergency or investment will help us in the future. Managing our income if we want to relax in the future. Controlling our spending will avoid us from using creadit card