We are not kill-joys. We just do not want to join the waiting list in the restaurants for the Valentine's Day dinner. In addition, we are limiting our credit card usage these days. Our payments are reaching its point where the balance is getting low. It is difficult to deal with daily expenses knowing you have a debt to pay on your credit card. Reading articles on money management, credit limitation, and debt consolidation loan is of big help. Most people are using credit card as form of payment. But for those who are not aware with their card usage, it is time to control themselves so that they will not end getting debt consolidation loan for some sort.