While it can prove unreasonably inconvenient to stop using your credit card entirely, most of us can find ways to cut down.

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Next, stop using your credit cards.

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The difficulty, of course, is that the very nature of public cloud services means there are few barriers to stop employees from simply using a credit card to self-provision a useful new capability.

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He will mess up by using a credit card, getting caught during a routine traffic stop or using his real name to hook up the satellite TV at his camp ground hideout.

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"We think that if a person is having trouble paying off their credit card balances, then they do need to stop using them, that they do need to pay down their balances and start to manage them wisely, " he said.

CNN: Walking away from credit cards