When you have a good job and some money set aside, it is quite nice to be able to spend on the things you like and enjoy. However, it is just as easy to forget about some long term goals you have, and to think only about the present. One seamless way to make sure that you don’t go overboard with your spendings is to ask your credit card issuer to reduce your credit limit. This will help you stay on track and keep your budget and goals in place.

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