Money Hacks

For some, the first step toward controlling spending is to cut up your credit cards and move to a cash-only system.  

If this is too extreme, make a commitment to yourself not to use them for impulse purchases or for entertainment, and to always pay the balance in full every month. Leave credit cards at home if you might be tempted to spend too much.  The important thing is to be honest with yourself, and to use credit cards in a way that helps your finances instead of hurting them. If you can’t do this, you’re better off without them. 

You can use services like OptOutPrescreen.com and GreenDimes to eliminate unsolicited credit card offers.