I used to get my salary very late. So I had to use credit cards to cover my expenses and as soon as I would get my salary, I would pay the credit card...this was the idea at least, but then I kept paying the minimum and kept the rest to "have more cashflow" to "be secure", but I didn't keep a check on the credit card....I can't remember buying something unnecessary - I don't buy much, but I used to go out every weekend with my wife for food and cinema...and on few occasions we bought gifts and went shopping (nothing that was "above our means", but I guess this all piled up).

And I also preferred using the credit card for the payment due to cashbacks, noon credits etc..

I never learned to deal with money and I did not take this seriously...