Convenience can be tempting. One call to the pizza place, one easy charge to that credit card. But how convenient is it when that one $10 pizza ends up costing you more like $40 in the long run, thanks to credit card interest charges and fees? Unless that pizza is jewel-encrusted, it’s just not worth it.

So, like the chili pepper seasoning, use your credit card sparingly. Or the bill may just bring tears to your eyes long after the pizza is gone.