9. Use balance transfer credit cards
You can manage how much money you spend on a credit card with a high interest rate by transferring theamount to a credit card with a low interest rate. This will enable you to pay a much less interest, even if you have made a big purchase. In this regard, you can try the Barclaycard’s Platinum credit cardthat offers 0% interest rate for a period of 35 months, just with a one-time fee of 2.49%.