If you are having difficult managing your money, the first approach is to put your credit cards away and pay cash for everything. It will be a difficult period since you still need to repay your credit card debt, but at least it will not grow or continue at the level that it is currently at. If you are collecting points towards airfare, hotels or even cash, forget it. The interest you are being charged will be more than what you will save using a these points. Once the debt is repaid, then continue paying cash for everything. If you do not have the cash, they it means you should not be spending that money since you do not have it.
This is often very difficult for many people. You need to decide how much you will spend on discretionary things such as entertainment and eating meals out. Pay your mandatory bills first and then all of your groceries and things that your children and family need. Everything else is discretionary and you need to make sure that you have enough cash to pay for everything especially as you near the next payday.
Develop an emergency fund and also a fund for savings that you want to save for, whether it is a vacation or something special that you need to purchase. Continue to pay cash and focus on cash flow management to avoid further debt.
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