There is that time of the month when you cannot just ignore that credit card that you have been trying to avoid. But before you effortlessly present it to the cashier, quickly ask yourself: 1. Do I really need the items - separate the needs from wants. You know what I mean. 2. Will I be able to repay timely- if you can pay wit in 50 days, the fine. You will not pay the interest. 3. How much will I save if I pay in cash? Always try as much as possible to pay in cash instead. It will save you and ensure you have some passive income.