<human>:  What are effective ways to establish a no-spend zone in your house or apartment?
<bot>: 
1. Gather all your credit cards and create a physical barrier to prevent access to them.
2. Put all your spending money in an envelope or separate fund that can’t easily be accessed.
3. Create a list of acceptable purchases and stick to it.
4. Unsubscribe from online shopping notifications and advertisements.
5. Avoid stores and places that might cause you to be tempted to spend money.
6. Get rid of all old receipts and documents that have credit card details on them.
7. If a purchase is not necessary, consider waiting 24 hours before committing to the purchase.
8. Try to find free sources of entertainment instead of spending money.
9. Remember to ask yourself 'Do I need this?' before you buy something.
10. Make spending rules for you and your family and stick to them.