Everyone needs to go out and read and listen to lots and lots of Dave Ramsey.
I never keep a balance on my credit card. In fact, I never use it anymore. I instead use the debit card for all of my purchases out of convenience. Why is it convenient? I then have one central website, my bank's, that tells me about all of my financial transactions. I download the records from there and run them through my own automatic budgeting system, which basically tells me how much I'm spending and where it's going.
Everything's paid off.. and I mean everything. I don't even have so much as a mortgage. I worked and saved an insane amount of hours during my university days, took some risks, and had some investments paid off. (My biggest risk was buying my place when I didn't even have a job, banking on actually getting one!)
As a result, I've transitioned into a system where, basically, I just buy what I want, and damn the price. It just so happens that I don't have many extravagant "wants," though I'm more leisurely than I've ever been, so this works pretty well. If my budgeting system tells me that I'm spending too much (which hasn't happened yet, but it may), I just start buying less stuff.
I've never felt so free as I do right now.
I will not take on any further financial obligations, such as children, until I'm damn sure that I'm ready for them and that I can afford them and still be comfortable.
.. my P card just officially got revoked, I think
Keep doing this. It's going to pay off immensely.