When it comes to credit cards we have our heads buried in the sand.
We're paying too much interest and we don't even realise it.
So here's how you can spend and still save.
Effie Zahos from Choice says you need to find out if you can get a better deal.
Here's an example of what's on the market:
Aussie Classic Low Rate Mastercard - at 12.49 percent, it also offers interest free for nine months on balance transfers.
HSBC standard has a six month interest free period.