Plan what you will buy and limit the amount you will spend. You'll save time and money. Start paying cash for everything. This really makes you think about everything you buy. Don't window shop or go to the mall for recreation.
Impulse spending is one of the biggest causes of unnecessary debt.
Don't buy everything you need. Think about ways to rent, borrow, or trade for things you need to have. Get rid of your personal money pit. Whether it's a boat you don't really use, a house that is to expensive, a high performance car or expensive hobby. It takes a lot of your time and money, but only you can decide if the sacrifice is worth it.