This is a great tip. It cuts out the possibility of returning to bad habits - especially good for spending addicts. Thanks to the wonderfully named Ugly Debty…

clipped from uglydebty.blogspot.com
Once I started this blog I cut up all my credit cards. I also can’t get on the internet banking and transfer money from any of my credit cards to bank accounts. The other thing that I do to stop myself from using them is that once I get an amount paid down, say $500.00, I ring the bank and get them to reduce the credit limit on the card. My Citibank card balance was $14,000.00 when I started, now the credit limit is $10,000.00.