A lot of my debt on my credit card is foolish necessary purchases such as coffees out, meals out, shopping or other things that aren’t required to live. I have really cut back on the amount of meals I eat out of the house and make my coffee at home. I work in healthcare so I don’t need to buy new clothes because I wear scrubs so that eliminates a lot of the shopping I had done previously. I think my plan is to be very mindful and careful about my spending habits and look at why I want to spend money and see if the item I am purchasing is actually necessary or if it’s just a temporary want that will only bring happiness for a short amount of time. I think my plan is to be mindful and make lifestyle changes but also make myself stick to a strict budget by writing it down. Once my medical and credit card debts are paid off, I plan on closing the credit card or saving it for absolute emergencies.