4. Pay off your credit card.
Then put them away for emergencies. I see so many people using credit cards for things they were never intended to be used for. Buying candy bars and cigarettes at the late night convenience store or buying McDonalds. Lock them away now, pay them off, and only use them for emergencies. Do you really want to think about paying 13-20% for a candy bar and coke you had a few months ago?
Well credit card can really put anyone into large debt as this cards as it is called is indeed a credit which means the bank just lend money for quick purchases when you are out of cash but still it is a credit and you have to pay for it, right. So really as much as possible do use credit cards only in case of emergency where the things is indeed necessary and urgent.