what i do is just have a credit budget of no more than $75 per month. this month it was under $60...so just 2-3 transactions on my credit card. a credit card is so easy to go on a shopping spree and it's never worth it in the end. and i pay my entire balance each month. the rest of my credit limit is there for a REAL rainy day or an emergency....a new dooney and bourke bag isn't an emergency 😄
