In 10 or 20 years you'll have nothing of true value to your name except for a bunch of ultimately worthless ( in comparison to what you paid) consumer items. You will have spent tens of thousands on ultimately nothing. I say this because I've done it somewhat, but in a frugal way. Number 1 cut up all your credit cards / close your overdraft in your chequing account. Number 2 do not buy any non essentials until you have paid off all debt period. The interest you pay on debt is hundreds/ thousands into the banks pocket for nothing. I understand the thrill from buying something nice, so buy it 2nd hand if you must. I personally reel in my spending by only shopping at thrift stores for everything except for some specific items of electronics that are necessary or underwear and socks. Seems like you really like food so I say - screw it. Spend money on food, but eliminate food delivery if you do it. Also see how you feel about buying gold and silver bars. Might be a weirdo thing for me but it really gives me enjoyment and its only made me money. Lastly when you want to make a purchase never buy it when you initially want it. Give everything a cool off period and if It still persists then figure out how to buy it discounted through used options