You could do what Suze Orman suggests Freeze your credit cards in a solid block of ice in your freezer, and only carry the cash you can afford to spend. If you really want to make that purchase you have to wait until you cards thaw or you have to chip them out being careful not to break them. For me, JoAnn's is a 10 mile drive so I don't make a stop unless I'm in the area for something else. But when I do it is a budget buster. :-(