How to effectively manage multiple credit cards and not overspend on them?

How many cards do you have? I recommend doing a monthly finance check in (I do mine on Excel) where you list down your total expenditure and CC balances.

Low maintence, but it helps you feel in control of your spending and savings. comment and let me know if you want more details, I'd be happy to share how I do it!​​​

Hello!

I think the best method is to stick to just 3-4 credit cards and to use each card for a specific function (ie to earn cashback or accumulate miles). You could opt for the SMS function where you get a text on how much you've spent on each transaction (kind of a sobering reminder if you spent on impulse).

Also, having too many credits card would defeat the purpose of racking up points since you would never be able to have a solid amount of points for 1 card to redeem any goodies.