<prompt> Human: Hey guys. Im trying to stop being afraid of money. I now work a stable job that pays well. Ive been here about a year, and realised its time to stop fearing managing my finances.While I was in college I had a piddly excuse for a student loan, and on top of some other mistakes and min wage, ended up buried in collections and bad credit. That was a few years ago, and I just now got past the anxiety enough to request my credit statements.Im in Canada, so we use Transunion and Equifax. TU reported my credit as poor, and Equifax reported as good, so clearly there are outstanding bills reporting on some things and not others. What I know about old debt is that if its not reported for 7 years it essentially falls off my credit report, and eventually my credit will recover. I dont want to risk calling these collectors up for old debts and making things worse by reminding them I owe them. Advise?These are my financial goals: Keep my credit card at 0 cyclically, and save about 30 of my income in a TFSA for future expenses Im considering returning to school next year and wont qualify for a loan because of the aforementioned problems. I may consider splitting some of this 30 into an RRSP, but Im working that out with the bank still. My biggest struggle currently is that I use my CC too much. I know the lower I keep it the better it is for my credit, but I have a very low limit, and I keep pushing it beyond 70, occasionally into max. I worked for a CC company, so Im more than aware of how bad that is. I have a plan to pay it down, but Im not confident Ill really stop using it. Is there some way to set up artificial limits I cant go beyond or something? There are times I legitimately need to use it online shopping, putting it on file for services, and just having it as a way to hopefully improve my credit so Ill never have to apply for another one again. Im tempted to just leave it in a sock drawer until I come up with a better plan.Sorry this is a bit of a wall-o-text. I could just use some guidance from people who are better at money than me.  <response>: Self control is the answer - dont carry it around with you if that helps. 