4.6.2 Ways to avoid debt problems

It's easy to spend without realizing how the debts are piling up. Here are tips for avoiding that trap:

• Leave your credit cards at home.
• Decrease the credit limit on your credit cards.
• Set up automatic bill payments with your financial institution.
• Avoid impulse buying. Sleep on it and see if you still want the item the next day.
• Avoid "buy now, pay later" offers.
• Keep track of your expenses and manage them with a household budget.