<prompt> Human: I had to pay off some college debt with my lines of credit which average about 3,500.00 dollars. I recently received a personal loan of about 6,500.00 dollars to destroy that debt and then pay back the remaining 2000 dollars back immediately.Now I do not plan to cancel my cards at all but my question is should I continue using my credit cards as long as i can cover future payments in full or should I stick to using my debit card from my checking? Or if I should use cash what are good ways to budget a week with cash?One of my cards is a cash reward card based on which quarter tooThanks!  <response>: Using your credit card wisely means: Even though with credit cards the bill comes later, you are paying for the items you buy, in the end. So be aware of that and only buy things you would also buy if you had to pay them in cash right there and then. Only use the credit card when you know you can pay the bill in full before the due date. If you have run out of money, thats not an excuse to use the credit card instead and hope you can pay the bill by the time it comes. Instead, you should reduce your expenses as soon as possible and as much as possible. Pay the credit card bill in full, and pay it before or on, but never after the due date. With rewards, be aware that you are still paying the items. Imagine its 5 rewards for every 1 you spend, you get 0.05 in rewards, remember that that still means youre paying the remaining 95. 