When I think back to my problems with credit card debt I realize that I was making really bad choices. I wanted things and I wanted them NOW and it was too easy to whip out the plastic. I'd just worry about actually paying for the items later.

Now I think to myself, "Do I really need this? Can I get by without it? What are my other options?"

I've stopped doing the impulse buying ...... most of the time.  

Now I think I can actually get this debt paid off and I like that feeling.