You're right. It takes a mindset shift after thinking about the mechanics of credit and banking for the normal consumer. I don't want to use my credit anymore, even if it means that I do without sometimes or have to wait longer until I have the funds. Usually this delay squashes any impulse buys. I don't touch my investments or savings to make sure I'm not borrowing from my future either.

Taking out a mortgage or buying necessities to get by are vastly different uses than spending credit on bar tabs or excessive clothes. Every dollar not spent with credit is a way to change the tide. The less spent, the more debt can be paid off.