You should
not be paying interest on your credit cards.
Quote:
concerning credit cards, ive never had one (always used a debit card), so ive never had to deal with the monthly payment of one. is there some rule of thumb concerning how much your credit card bill should be each month? maybe a better question is, when should i buy something with "cash" (ie. have total purchase amount available in my account, and paying with a check or debit card), and when should i buy something on credit?
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Treat your credit card as a debit card. Pay it off in full at the end of the month, and be always aware how much you have on it.
Paying any credit card interest is a huge massive waste of money. It gets addictive, and it is the #1 way that people go into bankruptcy.
The only possible justification for paying credit card interest is a huge, massive emergency, before you have managed to build up an emergency fund.
If you top off your retirement fund, keep a relatively liquid emergency fund around, and don't pay any credit card interest ever, you will be doing good.