It’s so easy to get various piece of plastic to carry around and pay for things!  A little here, a little there and before you know it you have a whole big pile of bills that you simply can’t handle. .

A simple piece of debt advice is to cut up the credit cards!  Keep one but leave it at home.  It will be there for the very rare emergency that may happen.  And when you are out and about, pay with cash.  Using cash makes you think before spending.  And if you do’t have the cash, you can’t spend it!

This is a simple but very effective way to keep on top of your budget!