Money Matters - Simplified  7 Ways to Shun Credit Card Debt  In
an economy which is virtually powered by credit cards, it is
impossible not to use the instrument for enhancing your
purchasing power. Though it can prove counter productive, there
are ways of limiting its ill effects.  For a shopping freak,
credit cards might be the invention of the millennium, but this
instrument needs to be handled wisely so-as-to reap its benefits
for a long time to come.  The Money Times brings you a set of 7
most powerful guidelines that on one hand can help you keep
credit score rating high and on the other avoid the risk of
accumulating debt, something you know you find difficult to
repay:  1. Make Saving a Habit People are often forced to use
their credit cards to cater for their surprise expenses such as
a major car repair or payment of hospital bills.  To avoid using
your credit card under such dire circumstances, make saving a
habit. Better still, make provision for an emergency fund.  2.
Buy Only What You Can Afford