Do you freak out most months when your credit card bills come in? A lot of people don’t keep track of their credit card spending. I used to be one of them, but not anymore. I read a great article at http://www.forbes.com/finance that discusses managing credit card use. What the author suggested is, determine a financial budget for how much you can afford to charge monthly. Then, subtract your purchases from that amount throughout the month. When your balance hits zero, stop charging. You’ll eliminate over-spending and still avoid having to carry a lot of cash around.