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2. Make It Harder to Shop Online

Online retailers make it so easy to spend money. They save your credit card numbers and address, they offer free shipping, and they send you tempting emails that link directly to your favorite items. If you find yourself too tempted, start canceling your subscriptions, so you no longer feel the urge to click through and start shopping. Take your self-protection one step further the next time you're on a retail website: don't create an account before you check out, but make purchases as a guest. If you have to re-enter all your information each time you return to the site, you'll be less likely to make an impulse buy, and this will keep you off those tempting mailing lists.

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