Pay close attention to checks and charges for restaurants and fast food chains. Look at amount and frequency of payments to convenience stores. Examine closely spending on your home and your closet.

Using this information you become aware of your weaknesses and where they occur. You are now better equipped to overcome them. You need to make conscious decisions to stay away from places where you overspend. If you don't go there you won't be tempted to waste your resources and place your financial life in peril.

Now, armed with these bits of information you can boldly and successfully make resolutions. Remember, changing your behavior is how you will keep these resolutions. If you fail, and you will, just climb right back on resolution wagon. Dogged repetition will help you succeed. Check how you are doing on a monthly basis. Make any adjustments needed.

Putting your financial house in order and becoming debt free is a process before it is an event.

Dress part. There are clothes to wear to work, to wear to church, and then there are clothes to wear when you shop. You want to be comfortable and you do not want to appear to have money. You can be far more effective if you look like price you offer is truly all you can afford.

Never downplay quality or desirability of item you want. If item is no good why do you want it? You need to downplay price of item. You want item, just not at price they are asking. It can be a good idea to mention you have seen it elsewhere for less. However, this can backfire if item is truly one of a kind. Be careful, only a totally uninformed seller will not be aware of scarcity of his item.

Make haggling a two way negotiation only. You don’t want to enter a bidding war with a third individual. This can only cause final price to be higher.

Set a point where you stop. Since you had a price in mind before you began, you should never pay more for an item than price you have set for yourself. You must be prepared to walk away if negotiation cannot get you price you want. Almost nothing is more effective than walking away from a protracted negotiation in which seller has so much time invested. You will be surprised how often you will be called back for another round of haggling.

Now go make Mr. B proud. Get to work saving yourself some money and use it to pay down your debt.