If you put all your partying and bullshit on your credit card and check/pay your statement consistently it becomes very easy to evaluate "whether you should go out tonight."

It seems counterintuitive bc of the irresponsible nature of going bar hopping, or drinking and using substances at rock and roll concerts. HOWEVER it totally works for me to be able to see where I make all those expenditures in one place and I get cash back on it hehehe. Unless you struggle with severe addiction it's a great tool to look at your statement exclusively detailing how many dollars you spent on partying and restaurants this month and be able to say, "nah I think I'll just go get a TV dinner tonight." Plus, HEEEEY you're building your credit there Mr/Mrs adult-pants man-lady! Happy new year all and good luck!