Lately it seems that many people who use credit cards are following the example of the United States government. They continue to make purchases that push them to the very edge of their credit limit, and then want an extension of credit. When they can no longer make their minimum payments, out comes another credit card to pay the bill. This is not prudent. Continuing this path will lead to personal bankruptcy.
In order to help yourself, the best advice that you can be given, is to cut up your credit cards. Those who are not able to use self-restraint when it comes to credit, need to just cut them up and focus on paying off their debt. Consumer debt is one of the leading causes for personal bankruptcy. Which is sad, because it is preventable.
Many people are learning the hard way that you cannot truly want what you want today and pay for it tomorrow. Because the price that they pay is way too big. Consistent employment is not a guarantee for anyone, no matter what position they hold, and to have today by borrowing from tomorrow is just too risky.
Once you have paid off your credit card debt, then you can begin to save for a rainy day, as well as save for those purchases that you want to make. When this change begins to happen, many people find that they do not want to buy what they thought they did. When they look at how much effort it will take them to get it, they make better choices.