What is the most effective way to reduce unnecessary spendings and credit card debts and save money?

Cancel your credit cards if you cannot control your spending. this way, you cannot spend beyong your means. also track all your expenses to see what you can cut down on. curb your impulse buys and stop buying drinks during meals (if you are).

how about cancelling all your credit cards. Just use a debit card. Keep your card at home. Somethings cashless society easily makes one lose track of their spending.

Speak to someone u trust before buying anything more than $x ? That will put some perspective or rational, rather than just impulse buying.

What are u planning to save for? Set your goal, then we can come out with a solution.