Use one Visa/MasterCard and charge everything; my card is $60. a year but is well worth it if you charge everything and pay your bill each month to avoid interest. Deposit all your income to your checking account, leave a little out for pocket change, then you have the money to pay your credit card bill. You also have a good record of your spending habits too! Make your money work for you.
If you see an item that you may want that has a good sale price, and are not sure if you have some at home, buy it anyway because you can always return it with your sales receipt.
