If your answer is 'YES' and if your having trouble juggling with your credit card bills and other bills, follow these tips:
1. Always look around to see what you have, if you enough that lasts for a year or season than STOP!
2. Make a note of what you plan to buy and the amount you want to spend on it, this will help you.
3. Put items that you want to buy “on hold.” look around the mall or go home, if you still really want it, come back. This can help curb impulse buying.
4. Don't get attracted to sales, as there will be more sales.
5. leave your debit cards and credit cards at home and bring only enough cash, this will help you handle your finances.
6. Pen down everything that you bought. You need to see where your money is going.
7. If you’re in credit card debt, you don’t need to be tempted to spend more on credit. Use cash, checks or a debit card.
8. Pay off your credit card debt and all the payment dues.
9. Hire a financial adviser or credit counselor to work out a plan to balance paying down your debt and saving for the future.