Always remind to pay cash. If you are sure no necessary to use your credit card do not make any purchase with your card.
Make a some budget for your credit card usage. Before go to any store, mall or any public store, plan it how much money you would like to spend it with your needs and keep stick on it.
Can you make some list of stuff you are looking for? Try make some idea of what will you do before go shopping or spend your money. This will prevent from unnecessary item from your intend to.
Buy spread out over the year. If you could, purchase something through out the year and set them aside.
Try to keep one credit card as possible. You will make more easy to manage your payment schedule or confusing with the bill in the future. 
Kerbau in October (1949 - 61 - 85 - 97)
