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THINGS I CAN DO TO AVOID OVERSPENDING:-
Accept that your debt is a problem.
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Talk about your debt.
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Take action and deal with your debt.
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Get help coping with your debt.
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Address the stress your debt causes.
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Tackle the psychological aspects of debt.
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Avoid people or places which tempt you.
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Shop with a friend or loved one.
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Use cash instead of credit.
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Make lists & buy what you need only.
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Wait before you make an impulsive purchase.
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Have a spending plan. Create a Rainy Day Fund.
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Set up automatic payments for your monthly bills.
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