Here are some money hacks to help you stay out of credit card debt
Money matters tips
Only spend what you can afford / what you earn
Always pay off at least the minimum required (ideally the full required amount)
Have an emergency fund (~$2,000 to six months worth of expenses is recommended by experts) for those unexpected situations
If you are in debt, consolidate and act! Either tackle debts with the highest interest rates first or the smallest balances if you have multiple cards and are in debt
Spend less or earn more tips
Make shopping lists and stick to them
Stocktake subscriptions and cancel those you do not use
Consider what you can DIY (e.g. lunch, coffee) rather than buy
