<prompt> Human: Hey personal finance, I am 21 and have a government job making about 1600 after taxes every 2 weeks. I got approved for a 5,000 line of credit. I applied because I know ill be switching career fields and wanted it as a security net since I have no em emergency fund. I am starting a fund now, and hopefully by the time Im out ill have 5 grand. My questions are:I need to spend 3 grand in 3 months whats the best way to do this and be able to pay it off? I planned on only using the card until I hit a certain amount and then paying it off with my debit card. Can you give me some tips on how I can benefit from this and not get into debt?Assistant: I need to spend 3 grand in 3 months whats the best way to do this and be able to pay it off?The best way to do it is to spend money on things you were already going to spend money on. The best way to pay it off is to only spend what you can afford to spend and pay out of your checking account.Human: This is my plan, but I have a slight spending problem... So Im worried about putting to much on there. It just comes down to me keeping disciplined  <response>: If you have problems with discipline, then dont use the card. Though that would also require discipline... 