9. Changing Your Spending Habits

If you are a shopaholic, curtailing your expenses will be a bit difficult. But if you are a debt-ridden shopaholic, you will have to make major changes in your spending habits. Get rid of all your credit cards for good and embrace a frugal lifestyle. This might seem a bit extreme but if you want to actually have a lifestyle then you must perform this penance. You also have to make sure that you are spending less than your earnings. If possible, sell the stuffs you don’t need any longer on online websites to get extra cash.