One of the most frequent questions I receive is "How do I use my credit card wisely?" Often this question comes from a client who has found himself or herself in credit card debt. I am a proponent of paying with a credit card rather than debit card as it offers more protection against unauthorized charges and for faulty merchandize. But for my clients that are attempting to stay within a spending limit, my advice is to pay off your credit card weekly. Rather than waiting for the bill to arrive once a month, along with the shock of seeing the balance, by paying the balance weekly a consumer is better able to see what he/she is spending and to more accurately budget monthly income. And if you are needing assistance setting a monthly budget, hire a daily money manager to help in your effort.