2. Use Your Cash

Even if you have a mile-long shopping list, resist the temptation to go shopping with your credit cards. Instead, make a list and stick to what’s on the list, and only spend cash. This way, you avoid overspending or buying things that you don’t even need. It’s just too easy to charge a bunch of stuff on a credit card and you’ll really end up regretting it one the bill comes the following month!