My mom always told me that if I use my credit card, I should make sure to pay it off at the end of the month. Those "Mama always told me..." stories always have a way of appearing in my life. My mom is almost always right about things like this--though I don't tell her that often enough (note to self-I should start telling her that more often). The biggest thing I've learned in the art of frugality is to live within my means. If you can't pay off your credit card by the end of the month, I hate to be the bearer of bad news, but you're living beyond your means. So you may be sitting at home thinking, okay Kirsten I have $4,000 charged to my credit card right now and I'd love to take your advice and start paying off the total amount by the end of the month, but that's just not reasonable. Trust me, I completely understand. I recommend you pay what you can at the end of the month--at least the minimum payment but try to shoot for more than that. I'll explain more about this in another article. But until you have your credit card completely paid off, avoid using it at all costs! This means you have to really budget what you're spending to keep from living beyond your means.