How to stop over-spending
It made me 
"What a relief to get out of debt."
How I did it: We tracked our spending and noted down where it all was going. This included even small amounts spent on parking meters, sodas, etc.
This helped us understand where we were overspending. We had to decide what spending was optional and cut those things back.
Lessons & tips:
- substitute other fun activities in place of shopping (go bike riding, play cards with friends)
- don't watch TV ads, don't read the ads in the Sunday papers
- quit eating out
Resources: http://www.ehow.com/how_2224147_quit-overspending.html
