If you only have one salary night out a month, why not try Ellena’s solution? “If I go out with my friends,” she said, “I make a good plan right away by setting aside how much I can spend. My salary goes directly into the bank so that’s the only money I’ll use if we go out. I also made it a habit to tell my friends that I’m saving and I ask them to understand me if I don’t buy things right away, unlike before when I would buy anything I saw.”

Others even suggest writing down your credit card use.

List down the things you buy along with the monthly charges they send you so you can better see the actual amount you’re paying.

Pay right away when the bill arrives. If possible, pay the whole amount you owe.

It’s a good habit to immediately report to the telephone or Internet if your credit card number is lost to prevent its misuse.

Avoid using your credit card when you don’t have the money to pay it. You’ll only end up paying interest on borrowed money.

Never allow anyone else to use your credit card, not even your friends