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I used to keep my credit cards at home. If a purchase was worth going into debt for, Iโ€™d give myself the thinking time to get it.

Also, getting paid cash and keeping it in my knicker drawer really helped!

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I used to keep separate envelopes for different expenses. Each paycheck I would put some money in each envelope for whatever I was saving for. Usually bills, car insurance, etc. Now I just pay everything online. Is one way better than the other? I donโ€™t know. But it worked for me back then.

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