Credit cards are good but they can turn out to be a nightmare fast especially if you are caring too much credit debt. One or two credit cards are good and even better if you can pay them off every month but you know we are not in a perfect world so paying your credit cards monthly may not be possible.
I personally prefer cash or debit cards because they give me the discipline to spend strictly on what I can afford so I keep my credit cards at home and use them to buy items online and strictly pay off at the end of the month. This year I plan to trim my budget by depositing money with Pay Pal for my gift giving season and once the account is depleted buying will stop right there, I guess some people are going to just receive a card because honestly I do not want to get back in debt.
My idea of debt management is not to get into debt at all unless I start a business and that will the only reason I will use a credit card frequently because you have to leverage other peoples money for success in business but I will not buy groceries or clothing on a credit ever again. I learned my lesson the hard way and I promised myself freedom from debt forever.
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