I do love this one: Do something today that your future self will thank you for! And so upon reading this, I immediately get my CC and tore it into pieces. I just didn’t want to have additional credit or anything. What I need is to pay all of my debts so that after this, I will save again. And I know I will be thankful with what I did today as this will always save me from being so extravagant! Sigh!