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)