Getting rid of debt.

When I met my wife she was hopelessly in debt from credit cards. While I have several credit cards I have always paid them off each month. I always thought that spending more money than you have was poor financial planning. We worked together on developing a plan for her to pay off her creditors and become debt free. Now, as part of her plan, whenever she charges something she deducts that amount from her check book balance immediately. When the balance approaches zero she knows she either has to stop spending for the month or work a little harder and bring in more money.