The Rule of Wallet

One of the easiest ways to cut your spending and end the debt cycle is to use cash for all your purchases.  Obviously there will be times when you will need to use a credit card (but a debit card is a better option) or have direct debits from your bank account (mortgage, utilities etc) but those things are generally not impulse buys.  You will find that you become less and less reliant on credit cards, be less inclined to overspend, not be tempted by impulse buys and have total control over where your money goes and how much of it goes.

Make it a rule of your wallet - if you don't have the cash, you don't buy it.