Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 29

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 32

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JRequest::clean() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 33

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 463

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 464

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 465

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 466

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 467

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/content/85/6136885/html/libraries/joomla/environment/request.php on line 468

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 35

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 38

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 39

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 46

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 47

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 50

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 53

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 54

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 57

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/joomla/import.php on line 58

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JFactory::getApplication() should not be called statically in /home/content/85/6136885/html/index.php on line 31

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JApplication::getInstance() should not be called statically in /home/content/85/6136885/html/libraries/joomla/factory.php on line 46

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JApplicationHelper::getClientInfo() should not be called statically in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 130

Strict Standards: Declaration of JSite::getRouter() should be compatible with & JApplication::getRouter($name = NULL, $options = Array) in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 135

Strict Standards: Declaration of JSite::getPathWay() should be compatible with & JApplication::getPathway($name = NULL, $options = Array) in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 135

Strict Standards: Declaration of JSite::getMenu() should be compatible with & JApplication::getMenu($name = NULL, $options = Array) in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 135

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 726

Strict Standards: Non-static method JFactory::_createConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 73

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/joomla/registry/registry.php on line 19

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JUtility::getHash() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 99

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/utilities/utility.php on line 111

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 384

Strict Standards: Non-static method JFactory::getSession() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 764

Strict Standards: Non-static method JFactory::_createSession() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 94

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 500

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Declaration of JSession::set() should be compatible with JObject::set($property, $value = NULL) in /home/content/85/6136885/html/libraries/loader.php on line 140

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/joomla/session/session.php on line 19

Strict Standards: Non-static method JSession::getInstance() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 506

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JSessionStorage::getInstance() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/session/session.php on line 108

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JFilterInput::clean() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/session/storage.php on line 57

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JFactory::getDBO() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/session/storage/database.php on line 64

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 268

Strict Standards: Non-static method JFactory::_createDBO() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 271

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 550

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JDatabase::getInstance() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 562

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JError::isError() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 564

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JTable::getInstance() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/session/storage/database.php on line 69

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JPath::find() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/database/table.php on line 91

Strict Standards: Non-static method JTable::addIncludePath() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/database/table.php on line 91

Strict Standards: Non-static method JFactory::getDBO() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/database/table.php on line 112

Warning: session_start(): Cannot send session cookie - headers already sent by (output started at /home/content/85/6136885/html/libraries/joomla/import.php:29) in /home/content/85/6136885/html/libraries/joomla/session/session.php on line 423

Warning: session_start(): Cannot send session cache limiter - headers already sent (output started at /home/content/85/6136885/html/libraries/joomla/import.php:29) in /home/content/85/6136885/html/libraries/joomla/session/session.php on line 423

Warning: Cannot modify header information - headers already sent by (output started at /home/content/85/6136885/html/libraries/joomla/import.php:29) in /home/content/85/6136885/html/libraries/joomla/session/session.php on line 426

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JTable::getInstance() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 767

Strict Standards: Non-static method JFactory::getDBO() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/database/table.php on line 112

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/joomla/html/parameter.php on line 21

Strict Standards: Non-static method JFactory::getUser() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/includes/application.php on line 53

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JFactory::getSession() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/factory.php on line 163

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JComponentHelper::getParams() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/includes/application.php on line 60

Strict Standards: Non-static method JComponentHelper::getComponent() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/component/helper.php on line 83

Strict Standards: Non-static method JComponentHelper::_load() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/component/helper.php on line 39

Strict Standards: Non-static method JFactory::getDBO() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/component/helper.php on line 196

Strict Standards: Non-static method JApplicationHelper::getClientInfo() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/includes/application.php on line 61

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLanguage::exists() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/includes/application.php on line 68

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JFolder::exists() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/language/language.php on line 265

Strict Standards: Non-static method JPath::clean() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/filesystem/folder.php on line 392

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/content/85/6136885/html/libraries/loader.php on line 71

Strict Standards: Non-static method JFactory::getConfig() should not be called statically, assuming $this from incompatible context in /home/content/85/6136885/html/libraries/joomla/application/application.php on line 164

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Expenses


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How your expenses are keeping you poor and what to do about it.

The full chapter on Expenses will show you how to cut the frivolous costs out of your life, and apply that money to improving your Lifestyle long term.

Less expenses means more income, more cash, and more Real Assets.

It is a simple financial principle that to have more money you can do one of two things:

1. Increase your income; or
2. Reduce your expenses.

Usually in business and your personal life the easiest is to reduce your expenses.

If you want to have more money for investing, or reducing debt, or giving away, you must look at your monthly spending and see what expenses you can cut out. If you haven’t done this for a long time a good rule of thumb is a 10% reduction in expenses, or 20% if you live a lavish life.

Tip #1 Installment (Hire Purchase) Purchases
Do not incur any new installment purchases. These have high interest rates, usually a set up fee, and encourage you to spend beyond your means. If you cannot afford it, you cannot buy it – simple.

Tip #2 Mortgage Interest Rates
Do some research on your mortgage interest rate. Many people simply get a mortgage and then forget about it. Are you able to refinance at a lower rate? Do you have the option to take a lower fixed rate? Could you change banks to get a lower rate?

Tip #3 Credit Cards

Pay off any credit cards immediately. The interest rates on these are far higher than either your home loan rate or on a personal loan from your bank. You are better off taking a new loan from your bank at a much lower rate and paying credit card debt off immediately. Of course you then have to be disciplined not to ever spend more than you have, so that you can pay your credit card bill in full every month. If this is likely to be a problem, request that your credit card provider reduce your limit. Or simply cut up your credit cards.

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