MONEY SMARTS: Leave the plastic behind
Having a credit card makes it too damn easy to spend money (especially money that you don't have).
So the simple solution is to leave it at home then. Without a credit card, you'll have to pay in cash but the good thing is that it will force you to stay within budget. Just bring the amount you'll need to get whatever it is that you came for.
It might be a little inconvenient at first, but your wallet will thank you for it.
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