Money saver #10

Be careful with your credit card(s). A good rule of thumb is to use it like a debit card. When you charge something, go ahead and take it out of your account. If you can't pay for it then maybe it can wait (unless it's a necessity or emergency). Sometimes it's hard to wait on stuff you really want but it's worth it in the end. Find someone that will be accountable to you in this if you have a hard time with it.