Best Money Tips: Habits of Effective Credit Card Users

By Amy Lu. Last updated 12 November 2014. 1 comment

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Welcome to Wise Bread's Best Money Tips Roundup! Today we found some excellent articles on habits of highly effective credit card users, getting the discipline you need to reach your goals, and things to buy on Black Friday.

Top 5 Articles

5 Habits of Highly Effective Credit Card Users — Before you pay an annual fee, give your credit card issuer's retentions department a call. They may decide to waive it to keep you as a cardmember. []

You Already Know You Need Discipline to Reach Your Goals — Here's How to Get It — Don't put yourself in tempting situations that will require lots of willpower on your end. Instead, change your environment to fit your goals. [Ready For Zero]

Best Things to Wait Until Black Friday to Buy — There are plenty of discounts on older-model tablets now, but you'll find great deals on recently-released models on Black Friday. [Kiplinger]

33 Things to Quit Doing When You Hit Your 30s — Don't keep bad friends around just because it's convenient or you're too lazy to cut them out. It's time to move on! [PopSugar Smart Living]

The Renter's Guide to Kitchen Improvements — Just because the kitchen isn't technically yours, doesn't mean you can't spruce it up and make the space your own! Metal shelving and hanging pot racks are useful and good-looking. [The Allstate Blog]

Other Essential Reading

How to Reach Financial Independence at Age 31 — Use your free time to make extra money on the side. With multiple streams of income, you'll have something to fall back on if you lose your main gig. [Canadian Finance Blog]

How to Save Money With Hobbies — If you can get discounts on supplies when you buy in bulk, pitch in with friends for a larger group order. [Kylie Ofiu]

3 Simple Ways to Deal With Financial Dream Killers — There's no need to change people's minds or argue with them about your personal financial goals, especially when your goals affect only you and your money. [MoneyNing]

Starting a Side Business? The Four Things You Must Do Before Anything Else — Figure out what you are offering to people and how much it costs. This is a basic but crucial step! [Money Under 30]

Is Technology Interfering With Your Parenting? — If your smartphone addiction is interfering with the quality time you spend with your kids, set a timer to remind yourself to take regular breaks from technology. [Parenting Squad]

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Guest's picture

Great round of articles on credit card use. I've used a cash back credit card for about 10 years BUT the key is always to pay it off at the end of each month without fail. That way essentially I get paid to shop! Yippee! :)