Cash and Carry - Carry only a certain amount of cash with you. That way you can't spend more than you have on you at that time. Pay as much as you can afford or better yet, try not to use your card at all except in emergencies. When ever you feel you just have to have it, take a deep breath, step back and think it over for 24 hours. You may find that you really didn't need it after all.
Tomorrow never comes.
The best time to start practicing smart money management is now . All rights reserved.