When you think that your financial problems might be getting a little out of hand, keep a record of what you currently own. Then mark those that your family actually uses. Ask yourself the following questions to determine how much you really have right this instant : Do you have this item already? How many sets/pieces/units do you own? Do you really need to have this item? Is there a budget substitute or alternative to this thing? Why not pay in physical money rather than a credit card?
If we are serious in getting rid of our credit card receipts or financial problems, we must rethink our spending impulses before you end up needing to apply for debt consolidation loans. Bills, no matter how little, add up over time, and before you realise it, you are paying a hefty amount at the end of the week. Before using your cards, make sure that you really need what you are going to buy.