5. Reduce temptation. If access to an abundance of credit is overly seductive, cut it down. Ronit Rogoszinski, a wealth adviser from Arch Financial Group, suggests abandoning excess credit accounts, leaving only two major cards.

"All the store cards that you opened to get the 10% discount for opening one up, close them," says Rogoszinski. "Some will say that this will hurt your credit score; personally and professionally, I don't care." Why? Remaining debt-free is not only vital to your net worth, it will actually benefit your credit rating. A full 30% of a FICO score is based on how much debt you're carrying in relation to your credit limit, compared with the length of your credit history at 15% of the score.

6. Frame the ugliest bill you have. Keep a copy of the statement with the highest balance and display it. Kristen Hagopian, a motivational speaker and author of "Brilliant Frugal Living," says this tip came from one of her students, who repaid $82,000 in five years.

"After putting herself into massive debt, she had a turnaround moment where she realized she was out of control, buckled down and never looked back," says Hagopian. To remain motivated, she keeps the five-year-old credit card bill (complete with "Balance Due: $82,000") on her refrigerator. "She told me that having that credit card bill on her refrigerator reminds her daily that she never again wants to feel that out of control of her finances or her life."

7. Refine your value system. If you really want to stay on budget, says psychologist Sally Palaian of Bingham Farms, Mich., the author of "Spent: Break the Buying Obsession and Discover Your True Worth," you had better first identify what makes you happy.

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"Take the time to really think about what you want and why," Palaian says. Then add those things into your budget. "You'll get more pleasure out of spending money and be less likely to blow it on impulsive purchases or trying to keep up with the Joneses."

8. Save your old debt payments. HelloWallet founder Matt Fellowes says you can offset the budget blues by doing something smart with the cash you had been sending your creditors.

"Once you get rid of revolving credit card debt, take the money you were previously using to pay off debt each month and put it toward building up emergency savings," says Fellowes. "Having extra money socked away for unexpected expenses is one of the most effective ways to stay out of debt."

As with dieting, once you've achieved your desired goal, you've got to keep the momentum going or you'll undo all that hard work. So the final tip: Enjoy your success so much that you refuse to let those balances edge up again.

This article was reported by Erica Sandberg for CreditCards.com.