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Dave Ramsey, cut your credit card. My husband and I got a loan to cover all of our credit card debts. We cut our cards and didn't use a credit card until after our debt was paid. By that point, we were so use to buying things only if we had the money in the bank that we didn't want to use a credit card.

33 Ways to Recycle Gift Cards, Credit Cards, and Other Plastic Cards (including my up-cycled gift cards into chalkboard gift tags tutorial!)

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ReFab Diaries: Repurpose: Doily re-do's ...

Kiss Your Plastic Goodbye - daveramsey.com debt free