Recently I have come to realize the common saying "people spend what they make" used to be true, but it no longer is.  A problem I see is that credit cards are overly accessible, and people have the ability to charge what they can't afford.  I think of how my life was before credit cards, and I had a lot less freedom, but I also had a lot less stress.  My challenge for myself this year is to cut up credit cards, and start spending what I make, not spending more than I make.   Is anyone else feeling the same way?