Once you know how much spare cash you have, you need to commit to spending no more than what you have. If your problem is shopping for clothes -you have a passion for fashion- you need to learn to ask yourself "Do I really need this?" in the store. Don't waste money on designer brands and shop at used clothes stores. Shop during sales, but only if you actually need things from the store.  What are you priorities in life -- good food, vacations, or just time with the family? Knowing what you personally care about buying can help avoid costly impulse buys. What things in your life can you cut and hardly notice -- such as a scone to go with your morning coffee, the 200 cable channels you hardly watch, bottled water, etc? Credit cards are not free money. Interest rates on credit cards are huge, even if they don't make you pay them immediately. Managing your money wisely means using your credit cards wisely-- as extensions of your budget, not separate budgets. That said, responsible card use helps to build credit, which is required for home and car loans. Some crucial things to remember include:  Read all of the agreement form before signing up for your card. What is the monthly interest rate? How is minimum payment calculated? Are there annual or overdraw fees? Always try and pay more than the monthly minimum. If you pay the entire balance each month, for example, you won't pay any interest down the road. One credit card is enough -- juggling multiple bills and statements is a surefire way into credit card debt. Curb spending on credit so that you stay within 30-40% of your limit. You should never get close to your limit, as this is often difficult to repay without exorbitant interest rates. Impulse buys are the bane of smart shoppers and money managers. You need to ask yourself, before buying anything, do you need this to live? Will you enjoy it for a long time, or is it a fleeting pleasure? Avoid shopping as a recreational activity, instead saving it for the essentials.  Making grocery lists will keep you on...

How would you rephrase that briefly using Indonesian?
Buatlah perencanaan keuangan pribadi, dan patuhi rencana tersebut. Gunakan kartu kredit hanya untuk tagihan yang bisa Anda bayar di bulan tersebut. Ketahui alasan saat berbelanja. Carilah informasi sebelum melakukan pembelian besar. Belilah barang dalam jumlah banyak jika memungkinkan. Tarik uang yang bisa Anda belanjakan jika Anda kesulitan menabung.