Using Credit Cards

If you are well discipline...don't be afraid to utilize your credit on as many transactions as possible. This will help you build your 'reward' points (if you have a card that accumultes them). However, I don't recommend you do this if you cannot pay off your balances monthly. Using your credit helps you keep track of your annual expenses. Some credit card companies send you an end-of-the-year statement of all your credit card purchases. This can help keep track of your spending habits. In addition, try to get credit cards that charge you membership fees.