I have not been using a credit card for my shopping needs. I used to use my credit cards for travel and other leisure purpose purchases. However, the recession has brought a grim realization when it comes to budgeting and keeping our cash flow to the minimum. For one, we had to cut back on our travels and hotel bookings. I had to set a limited budget for a month to maintain. I stopped shopping for no reason. Now, I am a wiser money-holder than I was when money used to flow like a river. I know better now.