In a perfect world, we would all avoid too much credit card debt and would never have to deal with the trouble of being unable to meet our credit card payment obligations. But this is not a perfectworld, and unfortunately, these 1) ________ situations are the norm for many people. If you find yourself in this position, or headingthere, you should cut your spending now. Don't wait until your situation is so 2)_________ that you have few options available to you. Facing the factors that give you the 3)__________ to spend money carelessly can be uncomfortable, but if you don't face them, how will you control your debt and 4)________ the things you truly want? One negative aspect of using credit cards insteadof cash is that you 5)_________ the fact that you're spending real money. The pleasant feelings you experience when you purchase the item 6)__________ the unpleasant feelings of making the payment whenyou get the credit card statement. Studies 7)__________ that most peopleare much less likely to buy when paying with cashas opposed to credit cards, So, try leaving yourcredit cards at home, and pay with cash or check,To rall control your spending and your creditcard debt, you need to examine what moneymeans to you. Make an effrtrr to notice how you 8)_________ money and what beliefs and attitudes youhave about money. Studies also show that people with low self-esteem engage themselves in more 9)__________ spending and buying things they don't need. Remind yourself daily that your worth as a personhas nothing to do with how much moneyyou have. Once you 10)___________ this, you will break the psychological barriersthat were keeping you from handling yourmoney wisely.