Some people more like using debit card rather than credit cards, its simple, they just don’t want to be trapped on lots of debts. For some credit cards are think to be temporary savers, they use it to get instant cash immediately. Both of them are good, but its better to know their functions first. A debit cards are withdraw directly from your account, while credit cards are withdraw in the next month.

Now that you know its function, its start to cut your cards, its not necessary having lots of cards, ideally you have one credit cards and one debit cards. Use credit cards only when its urgent, while debit’s are use on daily basis. The purpose is you’ll now your cash flow, when you know you only have little money on your account, you will try to adapt your life style so that its enough till the end of the month.

What was the urgent stuff, and why we’re using credit cards instead of debit cards? Urgent stuff are some unpredictable things such as an accident, or suddenly your car were crash, or your children / parents need money for their medical. For you who have sufficient funds in your savings, you could withdraw it immediately, but for some, its time to consider using credit cards. Play wise on your cards and use it only when you need it the most.

The less your needs, the less you’ll spend. Cut your cards, use it wisely, finally you’ll be financially free.

Now, how to get it solve? For those whose not inside it, the answer is simple don’t get close on it. Start to personalized your stuff, think before you buy and pick only what is needed. And for you whose already inside it, its time to stop buying, its time to sell things you didn’t needed. The objectivity is to get extra money from its selling to pay your debt.

Some unnecessary stuff such as party outfits, scarf, kitchen hardware, etc. which are only used occasionally you could do something with it. Either selling it to get extra money or donate it to some who really need it.
Try to think about it for some time, when you got more wardrobe inside your cloth closets, and its not enough for new one, you’ll start buying another closet, which also mean another money to spend. In here we could conclude that the more you buy thing will not get you to stop, but it will encourage you buying more.

Writing your needs in a scratch of paper or agenda, considered helpful for them who got shopaholic issues. Stick to your writing and buy only what was written inside it, direct your foot into cashier immediately, pay it then get out from the store, its going to help you.

Savings, its important for your next life, we’ve been told that since we’re little by our parents or teachers. You know what, its true as long as you could manage your savings. Great man says think bigger then you’ll get bigger. Try to change your emotion on buying stuff into savings. But this doesn’t meant saving to buy something unnecessary, aim high, buy something that you could save in the next 5 or 10 years ahead. As an example is real estate, its one of good investment, cause price kept on growing rapidly.

There are several other ways to solve your ways, but its all depend on you. control your emotion, and you’ll get whatever you dream on. Free financially.