The best way is to stop borrowing money and cut up the credit cards. Then start paying your creditors wihout incurring more debt. If you are reluctant to cut up the credit cards, then freeze them in a block of ice using something like a small Tupperware container to put the water in for freezing. Fill it half full and let that freeze for about 2-3 hours. Then put the credit card on top, fill it to the top with water and let if freeze solid.
Now, if you really want to buy that thing you *JUST GOTTA HAVE RIGHT NOW! IMMEDIATELY!" chances are good that by the time you thaw out that credit card, you will have changed your mind.
Note that using debit cards are fine, as for many if you don't have the money in the account that card is tied to, then it won't work anyway.
