Simplify Your Life with Credit Cards - 5 Delightful Tips

Credit Cards

A credit card is a convenient device that saves you the trouble of counting your change.

EVAN ESAR, 20,000 Quips & Quotes

There are too many things to do every day. More than one-third of your time is tied up in the office. There is not much time left to attend to your personal things. However, you can simplify your life by taking advantage of your credit cards. Here are the top tips:


1. Carry no more than two credit cards: When one card cannot be accepted you still have another one on standby. However, too many cards mean checking too many statements and issuing too many cheques and too much monitoring to do. There is also a temptation to overspend. In the worst scenario, when your purse is missing you will have too many reports to make for your lost cards.

2. Use one card for your recurring payments: Arrange with your card issuer to pay for all your utility bills and insurance premiums and zero-interest installment payments in one card. When you automate your payments you don’t have to issue so many cheques and go to so many places to make payments. You issue just one cheque to meet all your monthly commitments. You save valuable time

3. Use the other card for other expenses: Use another card to pump petrol, shop for grocery, purchase books and stationery and charge for other expenses

4. Personal money management: From the two statements of the two cards you will get to know your monthly expenses. The records help you to manage and budget your earnings and expenditures. To settle all your expenses and commitments, you issue only two cheques from a current account (life is easier with only one account to keep track) with the allocated fund to meet charges for the two cards.

5. Filing: Keep a file or a folder to hold all your charge slips, electricity, and telephone bills, and the monthly credit card statements together with your bank statements. Keeping all the documents in one place will be easier for you to check and verify all your charges and balance your bank account.


Besides simplifying your life, each time you charge your card, you either pay less( cashback card) or you accumulate points to redeem for valuable items (rewards card).

Spending less time but managing your finance more efficiently and effectively means more quality time to spend with your children and more time to pursue your personal interests.

Have a simple and happy life!