There are several ways to keep your spending habits in check:

• When you shop, use cash, not credit. Set an amount that’s within your budget and stick to it; that way you’re more accountable for what you’re forking over, and when it’s gone, it’s gone. Leave your ATM and credit cards, and checkbook, at home.

• Be strict when you budget, allowing yourself a certain amount to spend frivolously each month – but don’t allow yourself to purchase anything that isn’t on the budget. Put it on paper so you have a hard copy to look at.

• Be aware of where you’re spending! Keep a list of every single penny you spend for two weeks, so you can see exactly where your money is going.

• Consult a credit or debt counseling service. These are great for helping to consolidate your credit debts and get you back on track.

• Learn to differentiate between wants and needs. Purchase far more items from the “needs” category.

• Don’t shop, swap! Chances are that you have things you don’t use or need any more, and your friends do, too. Organize a swap day and see what new treasures you can amass for free!

• Use your designated monthly “mad money” to shop at flea markets and yard sales. That way you’ll get more items for a more budget-friendly price.

• Shop with a friend or relative that will hold you accountable for your spending; make them aware of how much you have to spend, and tell them not to let you overspend – no matter how much you beg and plead.

• Cut down on impulse buys by imposing a mandatory waiting period on yourself. Tell yourself that you can have it only if you wait a certain amount of time – say, a week or two. Stores will often put items on hold for you if you’re worried about it selling out. Waiting to buy it allows you to think and rethink the purchase, and determine whether or not it’s actually something you need.