[DumbNelmcrece]

i always tend to spend what i dont have, but never get myself seriously in debt of spend to the extent that i cant pay it off over time. i find it hard to save up for something, but instead buy things on finance or credit and pay them off over time. i can budget for that so it works out ok. best thing to do it just limit yourself to a small number or just one credit card, but to still look at credit cards as positive things, like a way to buy things, rather than a way to loose money by interest.