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I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.

If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.

I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

Everyone can get a little sloppy with cash and it's smart to notice. But what's squeezing you is the big stuff you ladle onto your credit cards.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

You don't realize how much you use your credit card not even to buy things. It's a card you get so you can navigate society.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

I use debit cards for everyday purchases, as I don't believe in credit cards. But this has caused problems, especially with American touring, because I refuse to have a credit card - and in America you can't pay for anything on a debit card.