You’re already in credit card debt, so you often default to, “What’s a little more?” Stop. Free tools like Debitize can help stop you from getting into any more credit card debt — the app links to your checking account and credit card, automatically deducting money from your checking account as you use your credit card, then paying the bill off for you (in full and on time, of course). You can do this without an app, as well. Some credit cards will alert you when you've reached a certain limit. You can also challenge yourself to only spend cash, which can help make the spending feel more real. It's all a matter of finding the system that works best for you.