How To Be Happy: Ask yourself if you really need what you buy

'I am spending too much, to the point where I am waking up at night worrying about my credit-card debt. What can I do?' H.

Step 1: Avoidance strategies that work during the day by distracting us often fail when we are asleep and vulnerable to our ruminations and concerns. Consolidate your debts in the most cost-effective way by contacting the National Debt helpline on 0800 988 4140 for advice. Now cut up your credit cards. This will appear alarming but as soon as you have done so, you will be flooded with relief, as you will be regaining control. Living within our means as best we can is always comforting.

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