75SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details For the Average Joe, even if you feel you’re doing well with your finances, you could probably stand to make a few changes to your financial habits. If you’d like to spend less and save more, here are a few things to think about…Be smart with credit cards: A credit card can be a valuable tool, but if used incorrectly, it can create debt that can be tough to manage. Only use your credit card for purchases you can pay off each month. This is a great way to build a good credit score, but always make sure you’re being careful when paying with plastic.Find savings as often as you can: It doesn’t matter how big or small the purchase, you can probably find it cheaper somewhere else. Have you checked the competitor’s prices? Looked online? More times than not, you’ll find just what you’re looking for on the internet, and usually for a lot less.Use automatic bill pay: Have you mapped out your monthly bills and their due dates? If you haven’t, now would be a good time to start. Look at the due dates and design an auto pay schedule that will keep you from missing any payments. Paying your bills on-time is must if you want to keep your credit score up.Be cheap: No matter how much money you make, you should always try to live below your means. The less you spend, the more you can save for your future, and you’ll be glad you planned ahead when retirement time comes around.