Yesterday evening, I was talking with friends about money. Dan was kind enough to give me a tip that he used to avoid credit card debt when he was a student: when he didn’t want to use his credit card, he used to freeze it.
You know those plastic containers that Chinese Takeaways come in? He used to put his card in one of those, fill it with water, and put it in the freezer!
Whenevre he was tempted to use the card, he had to go to all the trouble of thawing it out. Unless he really felt that the spend was legitimate, the bother was just not worth it.