Have trouble keeping yourself from swiping the plastic? One way to cut down on mindless transacting is to take a sharpie and scribble your money goals on your credit card. They will stare at you the next time you pull it out.
For instance, you could write, “get debt free,” “vacation” or “death ray.” That way the next time you go to use the credit card, you might get jolted into rethinking that purchase decision.
Other people say they put their credit card in a paper sleeve with their kids faces on it to make them think twice when buying on credit. Post-it notes work too, and have the benefit of being non-permanent.
Curb Spending By Writing Goals on Credit Cards [Bargaineering]