"My wife and I were $18,000 in consumer debt when our daughter was born in 2008. We decided to embrace a minimalist attitude toward our finances. We started using a 30-day list. Try it: The next time you want a tech gadget or a new purse, write it down along with the date. Thirty days later, revisit the list and ask yourself, 'Do I really need this?' Today we are out of debt, and we don't buy anything without really thinking it through."
—Adam Baker, manvsdebt.com