Pay the credit balance off and cut the credit cards. Some retailers don't like them, except their own issued credit cards. Have you noticed the interest in those store credit cards? A lot of them charge you like loan sharks. 20% is loansharking. Cut them up. When I established my credit, I cancelled them all up. I buy cash and I only use overdraft protection in case of emergency. Compulsive buying is one problem people must take control of. It causes a lot of problems. When I go out shopping, I have in mind things that I will buy. Of course I look around, but same thing, my focus is on the stuffs I will buy. If I see something else that I seem to like, I'll just tell myself, I'm coming back for it. Then I'll save up to buy it. Chances are, I might change my mind when I get home and end up forgetting about buying it. A little self-control will go a long way.
"He who exercises government by means of his virtue may be compared to the north polar star, which keeps its place and all the stars turn towards it." Confucius
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