Well I'd suggest: BUDGETING
And budgeting in cost accounting starts from actual or anticipated income. Check whether the expenses are in accordance with your income level. While preparing budget, divide your expenses into two strata: Fixed or recurring costs such as rent, utility bills, groceries et ceteraa and variable expenses such as dinning out, or a gift. Now the varaible expenses are the hard part which disturb the credit card limit. So be careful with that.

Ragards
ZILCH HOUR