Have you ever felt that credit cards are your worst enemy? Their high interests can suffocate you, and if you don't have money (this is why people usually use them), what makes you think you'll actually have enough money to pay them later? Or worst, to pay your interest? In this book, you will find the following information: 1. Write and organize your monthly budget 2. Recognize when you are earning money or making an expense 3. Start saving money in the bank 4. Reduce your expenses 5. Start your own plan 6. Create a spreadsheet for making your budget In this book we will explain the techniques of the correct use of your credit history and teach you techniques for the correct use of your credit card, to take advantage of it You will learn not only avoid, but get away from the bad debts that sometimes credit cards can generate you.