There are some circumstances when you need a credit card but if you want to shop for small things then ditch it and use the debit card or UPI or cash. This keeps tabs on your spendings and makes you refrain from impulse buying.
Warren Buffett’s 7 golden rules for young investors trying to manage finances
Warren Buffett shares seven essential financial lessons for young investors, emphasising frugal living, eliminating high-interest debt, long-term investing, understanding businesses, maintaining cash reserves and portfolio