Nice post! House, utility, car, rent payments and after that finding the cash for credit cards is of huge expenditure. If the expenditure is more than the earnings, then debts will come in life making the life full of stress and anxiety. Therefore, the tips you had mention in the article is really helpful and very nice. Looking for a low interest rate credit card is one of the thing that should look first before applying for a new credit card. Checking credit card reports in order to know how much the expenditure had done so far. It also help in learning spending habits too. Looking for a part time job in spare time will also helps a lot while settling the debts and savings also.
I really like your post and everybody can follow the steps what you had written over here in order to have a safe and sound life.