A lot of people nowadays are living paycheck to paycheck. Many of them are trying to get back with their finances, but mostly failed. It's because they can't get away from things which are not needed like credit cards. Credit cards are helpful if used properly. But when credit card rewards are used as a carrot to get you to spend more, you're asking for trouble. Here are a few common-sense suggestions on how to avoid from the perils of credit cards and rewards program spending.