There are a lot of people who are afraid of credit cards because of the mass of horror stories that they heard about excessive and bad credit card use. There are a lot of girls who just can’t resist shopping when they see big "Sale!" avenue banners and there are also a lot of men who like to impress people all the time and dine on restaurants and cafes they know they could never afford anyway.

However, with a great amount of discipline and logic, credit cards can really work for you in great ways. In fact, there are a lot of financial experts who claim that their credit card use had led them to become better spenders. Here's how it happens:

When you have a credit card, everything that you spend for using it will be on paper. You will leave a trail where you went, what you bought and when it happened. If you review your credit card statements religiously, you will be able to monitor and to evaluate your spending behavior. This way you can adjust and you will learn how to discipline yourself and how to make better spending decisions.

Aside from that, don't forget that a great net value of a credit card is so you don't become a hundred percent bankrupt, like there were street light banners with the word "Penniless" hanging in front of your face every day. If your salary was a little bit delayed, you can still get to eat and buy some essentials. Just remember essentials are essentials. Foot spa doesn’t belong to that category.