If you have reduced your services due to a lack of payment or due to failure to meet deadlines, this is a sign of immaturity.It’s time to be a responsible adult and take care of your fixed costs. There is no doubt that spending money puts anyone in a good mood, but buying only on credit and not with your own money makes the situation go out of control very quickly. If you have difficulty stopping spending money that does not belong to you, on credit, choose to use only cash. When you use money that you do have, you can control yourself better. Requesting a new credit card, or a higher credit, is the first response from people who have a very high level of debt. But when you have bad spending habits, taking out a new one is not a good idea.