It seems very nice to buy a new item or to wear a new piece of cloth but if it comes with a price which is more to the tag attached then it has no value. You should not show your image depending on borrowed money as that you not only lead you to a debt trap but would also affect your health adversely resulting serious problems like heart attack and stroke. It is better to collect things in cash more than in credit so that you can limit your expense to a considerable extent. You can limit your credit card use to a single one and freeze all the other and also use it for only in case of emergencies only.
Be More Realistic
You should be more realistic in making expenses and only stick to your needs more than your wants. It is also not wise to use the debit cardeven as that can also spur more purchase. You could focus on more tangible objects and since you would not have any plastic in your hand you cannot make any expenses for your wants. Also think and consider your affordability to go for that after work shopping spree or for that expensive lunch and then avail it. Think about the embarrassing moments and the uncomfortable situations when you have to admit your friends that you are in debt. All this realistic realizations would help a lot in shrinking your debt.
Create A Budget SpreadSheet
Be honest with you …