1, careful consideration and reasonable planning. Don't always buy things you can't afford by installment, which will form the habit of spending money lavishly. Consider whether your credit card limit can be paid before staging, and then plan the staging times reasonably.
2. Remember to repay in full when you repay, otherwise there will be a lot of interest, and there will be a late fee after the deadline.
3. Always record your own consumption. In order to prevent you from overspending, you need to have a clear financial management system to help you see where your money has gone, so as to plan your consumption reasonably.