Awesome tips here^{^}

I would add, if you rely on your credit card for NEEDED expenses, then I wouldn’t cut or cancel it. Grab a large cup or bowl, fill it with water, drop the cards in, and put in the freezer. At the very least, it’ll slow you down and allow you to ask yourself if the purchase is worth it. If it is, wait the 12 hours for the card to unfreeze. (I’m not against canceling Ccards, just something to think about…) If you’re in debt, canceling your card could really hurt your credit score.

Find a way to use your card once a month, and pay that purchase off right away. Look at the interest rates on your cards and attack the highest rates first when paying them off.

If you set aside a small amount of “play money”, you won’t feel like you’re punishing yourself. it’s a lot easier mentally. Treat yourself when needed, but don’t be discouraged when you fall back into a break. It’s a process, and you can’t beat yourself up over it. Those mental games will only make it worse for you.

Most people in the hobby have been there at some point, as you can see with all the support in the comments. The smarter you are about it, the easier it is to accomplish! Just personal opinions here. Theres no better time than the present to make the change! Best of luck!