Yes, that's what I said...cut up your credit cards!  Now, don't go about things haphazardly because this will take some preparation. 

How to have a healthy cash flow
The first thing you'll want to do is to create an emergency fund to handle the most unexpected expenses.  If you really feel like you absolutely cannot live without a credit card, cut up all but one.  Credit cards can help by being a cash-flow management tool, but if you're paying only the minimum amount, you'll be in debt forever!  Now for a technical breakdown. Let's say you're the average American.  Most people have at least $8,523 in credit card debt. At an average of APR 14.4%, it could cost you as much as $1,100 in interest alone!  As difficult as it may seem, waiting until you've saved up enough money to purchase what you'd like to have would eliminate those interest payments entirely.

Saving money this way will help you understand the value of money and it will also put you well on your way to being able to get that cosmetic surgery procedure that will make you look like a million bucks!