Pay Cash Only and Melt Your Plastic Money - Avoid Consumerism

Remove every credit card from your wallet, including gasoline cards. There’s absolutely no reason you need to carry them around. The only things they do is make it easier for you to ignore prices and buy things you don’t need and can’t afford.

Get a pay-as-you-go charge card, like American Express, if you don’t already have one. Keep that with you in case of emergencies. Since you have to pay the entire bill when it arrives at the end of the month, you’ll soon be cured of any mistaken belief it’s just like a credit card. Start paying cash for your gasoline and you’ll soon discover which station has the lowest prices.

Meanwhile, transfer any and all credit card balances onto one card with a low interest rate. Put that card in your closet. Cut up all your other cards. Pay the balance off as soon as possible and when you do, cut up that card. Now, apply for a new closet credit card with no annual fee. You don’t care about rates anymore because it’s just for emergencies and you won’t be maintaining a balance.