If you have to use your credit card, You are going backwards. Debt is heavier than most any game. Loan to the qualified do not borrow. Manage every dollar 50% bills 20% shopping 20% investing 10% give (learning) Pay yourself 1st (always) Pay for most things with cash Do not be cheap with your broads Use communities to trade connections (The Japanese neighbors put 10% together every check towards a savings circles to have team achievements like real estate for each player)