Use PayPal Instead of Credit CardsI am really trying not to use credit cards for spending. I have a PayPal account. So every week I put money into my PayPal account. It can be 2, 3, 10 dollars or more. This way, when I come across something I want to purchase on-line, I can just pay for it from my PayPal account. It's also neat to treat it as a savings. For example if you put $10 a week in the account for 52 weeks, you will save an easy $520 at the end of the year you start savings.