Excellent advice.

2 points - if you are always in debt on your credit card.

. As soon as you have cash (get paid) pay it off the debt - interest is on daily balances

. Watch your spending . Ask yourself do I really need this or can I get it cheaper somewhere else. Or even ask can I delay the purchase a week or month.

Delay a $1,000 purchase for 7 days - $1000 x 18% x 7 divide by 365 = $3.45.

Credit cards can be a debt trap - we need Nicola's article to be shared with others.

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