I am looking for help. I have paid off all CC. But apparently, I am an impulse spender. I never realized it until today. I guess better late than never. I need to learn a trick or my cc will be back up again. I returned items to 5 stores today of stuff I wanted at the time but when I truly ask myself I most likely will never use it. What are people's tricks. Most of the items I returned do not add up to much. I think the most expensive item was $20 so I am not a big spender. But 20 here and there add up to alot over time.
I agree with the other poster about not going in stores. I try to not go in other stores other than the grocery store. I try to use a cash chunk amount for the week or weekend; if I am getting down to the last of my chunk, it motivates me to Slow Way Down/ stop spending as much as I am able. I had paid off my cc this spring, and kept it paid off until a $600 impulse purchase came along in mid-June -- what was I thinking?!!!! Now I have just paid off the cc again -- I need to remember to pre-plan/ pre-save for any potential indulgences so I don't trick myself again with a big impulse buy! I am going to try to be diligent, too. Good luck!