Whether you occasionally shop or shop till you drop, if you are in debt, you probably have a problem with spending. Credit cards, department store cards, and car loans can all add up to you being one thing: way over your head. But, it’s not impossible to curb your spending. In fact, taking the following steps can get you moving in the right direction:

Rid Yourself of Temptation: Just like people who surround themselves with sweets are more likely to be overweight, people who surround themselves with credit cards are more likely to be in debt. Rather than applying for every credit card under the sun, just say no.  Having a few credit cards is fine, but even then, don’t take them with you everywhere: keep them at home when you go to the mall and put them in a place that is not easily accessible, such as a safe deposit box at your local bank.

Make  a List: Making a list of things you “wish” you had, things you can work on getting, is a great way to keep yourself in check. Rather than spending on the whim, you will aspire to purchase something and only do so when you are able. A wish list also helps invoke a little reality into your world: the new car stereo you want one week may be something you realize, a week later, that you don’t really need. Giving yourself time to consider each purchase means you won’t buy on impulse, and you won’t buy as much.

Stay Away From Bad Influences: Just like temptation, bad influence also has no place in your financial life. If you have a friend, a relative, or a neighbor who continually urges you to splurge, recommending that you dine at the most expensive cafe or that the you absolutely much have the most expensive outfits, distance yourself from them, at least when it comes to finances.

Have a Support System: Taking control of your personal finances can be hard, and you can benefit from having a support system. If you can’t find a support system within your social circle, try looking outside of it. There are financial groups and credit counseling organizations filled with people who share your goals.

Keep Your Eyes on the Prize: When trying to fix your finances, things that are easy and quick may seem particularly appealing. But, avoiding these is your best bet. More often than not, quick fixes only lead to more debt, and compromise your overall financial goals. Whether this is a pyramid scheme or a business investment, remember that quick fixes rarely work. Getting back on track takes time.  Be patient and be persistent. Even if you suffer a major setback, such as the loss of a job, don’t give up.

Don’t Get Frustrated: Taking control of your finances is not only hard, but it’s also not fun: spending money is way more fun than saving it. But, don’t let this discourage you. Instead, don’t limit yourself completely: treat yourself to the day at the spa or a night out on the town, just do so occasionally.

Getting back on track is hard, but it’s not impossible. Using the above tips is a good starting point. Seeking the help of a debt management plan is also a wise step. These companies can offer you the experience, the know-how, and the support you need to get yourself out of debt, and on with living.