Form this day onwards, I will stop using my credit card for shopping! I will buy in cash at all times. I will not bring my credit card when buying groceries. I will not swipe my credit card again with unnecessary purchase. I will only use it when purchasing items with 0% interest and when purchasing airline tickets online. Since I’m hesitant to carry money in my wallet, instead of carrying a credit card, I’ll get myself a debit card so I’ll never spend more than what I have. It’s also safe because debit cards are governed by Regulation E or the Electronic Funds Transfer Act, which protects the cardholders from fraudulent charges if the card is lost or stolen. Saying goodbye to irresponsible spending and hello to financial freedom!