Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Deposit part of your income into a savings account to meet emergency expenses.
Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).