Setup a budget using a program like Quicken, QuickBooks, MS Money, etc. Stick to the budget, as much as possible. Avoid complusive or impulse buying. Before you buy sit down and figure up all your expenses and your available cash and do not buy or spend more than you have available.
Credit cards can be a good way to buy something now and pay later as money comes in, but they can be bad if you still spend more than your budget will allow or you continue to buy more and do not pay off the other first.
West Lafayette, Indiana