
21. Use Cash
Credit cards can be way too tempting for some people, and those who are wealthy avoid racking up credit card bills. Not only do they tend to live very modestly, but they also use cash (via Inc). Using cash instead of cards prevents you from overspending, and as a bonus, you won’t have to worry about interest on credit cards (via Inc). Having to touch the cash you are using to pay for something will make you have to think through what you are buying and determine if it is really worth the amount you’re physically handing over.