Spending
Our mantra: Do not over-borrow and you will not over-spend.
Avoid purchasing anything you did not go in to the store for. Avoid impulse and cash register buys.
Use a debit card or cash when possible when paying for holiday gifts.
If you have a fixed source of income (grocery money from parents), consider buying groceries with a credit card and pay off the total cost of groceries each month to the credit card company. This can help establish consistency.
Don’t spend money on a bet. That is called betting, not spending. If you go to Vegas leave your credit cards in the safe of your room. Remember the combo 
Another spending tip: if you have alternative or student loan funds, make sure tuition is covered before cashing any check, as that check might be for you to sign over to the controller’s office.