Credit cards: although majority or credit cards offer a range of benefits including convenience, security, flexibility, international acceptance and ease of budgeting like when you shop at Amazon.com! where you get everything under one roof, caution must be exercised to avoid falling in the usual debt cycles. the trick to light up your life is to spend within your means. This is achieved by use of credit cards on balances which you can clear within the month. Any spends that go beyond your monthly budget, you should consider term loans as they are cheaper in the long run and the savings could be set aside in an investment plan. Read related topics by getting yourself any of the titles at the Amazon books store.