1. Dont treat Credit cards as a source of Income. Basic rule if you want to stay out of trouble.

2. Maintain max 2 credit cards only

  • Ie 1 for utilities; 1 for emergency


3. Cap the balance at certain value.

If you cant pay the balance in full, then try to pay so that the credit card balance never exceeded the value that you set

4. Dont always have to ‘Keeping up with the Kardashian’.

Don’t spend more that you can afford on a monthly basis.


What is number 5?

Would love to hear your thoughts below.. 🙂


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