Reduce Your Debt

1. Try not to extract your credit card for every purchase. Leave your credit cards, debit cards, and checkbooks at home,

2. Avoid carrying a lot of cash if you can.

3. Sometimes, you just come across something that you really want to get and can be justified. If you have developed enough self-control, consider putting some money into a sealed envelope labeled, "Emergency Only!". Carefully evaluate your decision before prying it open.

4. If you find something you want to purchase, think it over for a couple of days. If you still want it, are willing to make the trip to purchase it, AND it's a rational purchase, then buy it. Clear-headedness is difficult to achieve when you're delirious.