Everyone has overspending triggers and if you want to get debt under control and build credit, you need to find and eliminate them. It could be the people who you shop with, the mood you are in, anything. You have to figure out what makes you spend money and stop or change it. One debt-ridden reader told us that she had a very special spending trigger that she employed every time she wanted to spend money that she couldn’t afford. It was: “I didn’t come all the way from Missouri to New York City to…(fill in the blank). When she wanted a new pair of shoes she could not afford, it was…”I didn’t come all the way from Missouri to New York City to skimp on shoes for New Years Eve.” She spent $600 on the shoes!