Nice presentation, Mahesh.
Stop these impulse purchases. They are the ones that burn badly, and if accounted for over a period of time, we will be surprised to see the amount spent on them.
The good thing about comparing prices is that last month, I made a purchase after inquiring at a few places and checking on sites. The price at which I got the product was 30-40% less than what I would have paid if I had not looked around.
Credit cards are used for almost all my major purchases and utility payments. I pay in full and have the rolling period available with me. Additionally, many of these payments earn discounts for online transactions, such as for telephones. I strongly advise against using cards if you cannot pay in full or on time, as the interest rate will financially burden you.