i need a few tips
Cut down on the things you dont need to buy like expensive food and drinks,put away spare money at the end of the week in another bank account, buy from discount stores and try and work extra hours.
I just want to share the Lord's plan and how it works.Its important that you plan well enough so you are not paying off huge sums of high interest debt to your credit card company and a careful planning will also help you to avoid the pitfalls of loaning money to other people.
Read "The Total Money Makeover" by Dave Ramsey.
It outlines a plan for you (as an individual) to avoid getting crunched by credit. Permanently.
Earn more and spend less.