Who really needs credit cards? If you can make a living with out the credit cards, you will definitley be much better off!

So lets asume that you don’t have any credit cards, then here are a few things you can do to continue to save money,even though you don’t have any credit cards. Make sure you take a care of all your payday loans as well. Letting them go past due will not help you. They can help when you need them, but by not paying on time, they can also become a challenge.

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19. Avoid impulse buying: Make it a habit to avoid impulse buying. Many of the things you want to buy do not seem all that necessary, if you only you wait for a day or two. Also, waiting means you will be able to check prices and make an informed decision to buy it at the best possible price.

20. Bottle your own water: Drinking water is good for your health. I always make it a habit to keep some at my desk at all times. Bottled water is the most convenient since it can provide protection against accidental spills. That said, buy bottled water only once in a while, and then reuse that bottle to fill your own water. If you are not happy with tap water, invest in a Brita Filter – in the long run it can save a lot of money.
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