Leave the credit cards at home.
As a matter of practice, leave your credit cards at home more often than not. Having credit cards, charge cards, and department-store cards in your wallet or purse makes it easy to make spur-of-the-moment shopping trips. You’ll think more about your spending practices if you have to part with your hard-earned dollars versus whipping out a credit card. Moreover, people tend to spend more when they use plastic instead of cash.