Freeze Credit Card Debt...Literally. 

Debt Doctor Stanley Kershman says putting credit cards on ice will help ease financial strain."Put them in a container, fill the container with water, put them in the freezer and let the cards ice over," he says. "When you have that impulse buy after the holidays, no matter how great the sale is, you can't do it on the impulse.  You have to go back home to get the card." Keshman says symptoms of post-tramautic shopping disorder after the holidays include anxiety, depression and sleep disorders. For Kershman's budget worksheets, go to www.debtonadiet.com.