Thank you to Jill, who said she’ll be implementing the tips on this blog (except number 1 – she thinks she may spend the largest note in her wallet). Hey, thanks for your honesty 🙂 Jill also mentioned it may be worthwhile taking the credit and store cards out of your wallet, so that you’re not tempted to use them at whim. If you need to, go one step further and cut them up and throw them out. You could also give them to a trustworthy confidante. Unfortunately I haven’t thought of a solution for those who have memorised the numbers and expiry dates so they can still use them online and over the phone. If you have another idea, please make a comment. Thank you.