One of my main goals for the year is to save money and pay off a significant amount of my debt.

I have great credit and by default, not learning from mistakes, I have a lot of credit cards with significant amounts available to me. Often this makes me say “oh I can spend that money, I’ll just put it on my card”.

The next month will focus on only using cash (actually physical cash and my debit card) instead of putting anything on credit. Hopefully this will help me lower my debt and make me more conscientious of spending habits.