Thank you Amy for sharing this topic with the EmpowHER community! After many years of carrying credit card debt, when my husband and I had the chance to pay it off, we committed to paying for everything in cash/debit cards.
We got rid of ALL our credit cards. If we really wanted to go on a trip or buy new furniture (for example) we'd go old school and put cash in a mason jar every day until we saved enough. It's really hard to do-but it keeps us worry-free, debt-free.
My best friend also does a no-spend November in her household every year. They only spend money on bills that month. No dining out, no kid's toys, no trips to Target. The money they save that month alone creates a significant impact!
Thanks for the tips!