Everyone out there would like to have a financially easier life with no credit, and almost everyone has had a debt at one time or another. Cutting out the use of credit cards, especially for cash advances is one way to do this. Even though it may sound good, they do charge a high interest on these loans (payday loan bad credit). You must use your credit cards only when it is absolutely necessary. An ideal time to use one or more cards is for a large purchase or emergencies.
One can set up a monthly budget with the necessary things that you have to have such as rent, utilities, food, etc. Figure out how much is needed to have with this, and subtract it from the total monthly income. If there is a savings also, do not forget to include this, as most people do.
Once the difference is figured out, if there is money left over, do not go on spending binges. More bills can be paid that is owed, or just simply put more into the savings for those unexpected emergencies that tend to arise at times.
Although you might not see a difference in a day or two, as long as you keep records of all of your spending, you will definitely see progress in the future. Making sure that you are self-disciplined will definitely make your life easier financially.