Bring your credit card with you

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I do not carry much cash with me all the time. Most, only a $20 bill. Why? Because I use my credit cards whenever and wherever they accept them. Luckily, most places we go and shop accept credit cards - groceries stores, malls, restaurants. Sometimes even for something as little as $1, I also use credit cards. It is very convenient for me as I don't have to worry about carrying a lot o cash with me.

Some people tell me what if I over spend by placing all my charges credit cards. But I told them that I only spend on neccessities and not on luxury items that we don't need. What I buy is what I need to use. I am not worry about incuring a huge debt on the credit cards with my control spending.

If you are thinking to apply for a credit card, remember to check out Smile's credit card. Futhermore, now the credit card companies are giving out a lot of incentives of signing up with them. Examples are the cash back option or no annual fee option.