I have found an easy and free way to keep from getting big credit card bills. I make sure I have the cash before I charge something. A couple of days later I go online and pay the credit card balance. It keeps me from spending the same money two or three times and I don't get big bills from the credit card. To me, it's like using a credit card like a debit card, but with the protections I get from a credit card.

Perhaps this approach will help others.