Leave them in your vehicle when shopping - when you see something you "just have to have" you have to walk to your vehicle to get them. It will allow you time to reconsider the purchase.
Plastic credit is very misleading. You don't actually touch the money so sometimes your sense of it just isn't there. If you withdraw weekly only what you actually budget for, you get to make your transactions with "real" money. When the money is gone, game over. No more spending.
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I have about $40,000 in credit card debt, yet I was still using my credit cards. I know- not very smart. This week, I decided to get smart. I shredded all of my credit cards! It felt great and now I know that I am literally unable to add to my credit card debt! I will continue to pay my bills on time and try to pay more than the minimum due. 410
When credit card debts are paid, don't shred your cards
You need a good credit score to get the best rates on insurance (auto/home) & be eligible for loans and cash-back credit cards. You also need credit cards for car rentals, airline tickets, motel reservations, roadside emergencies. So keep 2 or 3 credit cards that pay cash back (usually 1%, sometimes more). Use them several times a month for small purchases (never more than 10% of your limit) & pay them off every month... (Click title for more info.)
Even if you have paid off your cards in full, make sure you still have credit cards for the benefits listed. A loan for a medical emergency or co-signing a college loan for a child may necessitate a high credit score. (Source: Sept-Oct 2010 AARP Magazine.)
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