Keeping up your current lifestyle is expensive, and it's only going to cost more in the future. Visualize your future self and prioritize setting yourself up for success. Sure, it’s easy to argue YOLO and just plop down money for a ticket to Portugal even when you don’t have the cash to pay for it. But think about where you want to be three years from now, or five years from now, or 10 years from now. Write down concrete goals and create a vision board. Could you achieve these goals with credit card debt hanging over you? What would you need to change today to make this happen? Is the goal important enough to you to make this change?