<prompt> Human: Hi, So Ive recently changed the way I spend my money. I got a new credit card which I can get points with every purchase, so basically I put everything on this and then put some of my pay each week onto it. Now I feel like I will fall into this constant rotation of living in the credit world. I have always been kinda old school and used cash for everything then I could manage my cc payments and save. Ive read about the 50-30-10 rule but lately My savings account isnt doesnt seem to be growing as much as it used too. Any help on ways to manage living in the credit world would be great. Thanks  <response>: People who are financially savvy actually never use a credit card like a credit card. Not even in the case of an emergency because we have our emergency fund for that.Dont use your card any differently than cash. Only use it for monthly purchases you know that you can afford groceriesgasregular shopping. And always then pay it off in full before the due date. I have found that I personally spend more when I only use a credit card than when I use cash so Im moving to a system where I use both. Ill withdraw a bit of cash every week or 2 weeks but still use my card sparingly. Like Im not gonna pay cash for gas- thats too much of a hassle and I get 3 cash back on gas so thats something I always use a card for regardless of how much cash I have in my pocket. Never carry a balance on your card if theres an interest charge. Its a very expensive habit. 