The credit card spell (rituel pour arrêter de dépenser sans compter)

Material :
a bonfire
a hazel stang or wand
your credit cards (you may keep one for genuine emergencies)

Spell :
This one is an absolute winner.
Light a bonfire either in your garden or a friend's if you don't have one of your own.
Walk around it in a clockwise direction, pointing towards the flame with your wand or stang, holding the cards in your left hand.
As you do, chant,

"I can change, I will change.
There's more to life than this.
I'll find a way to live in peace in solvency and bliss."

Keep up the chant and begin to move faster and faster.
When you're suitably fired up throw the vards on to the flames.
Go on, do it.
Then chant,

"Goodbye cards, I won't miss you and you will not miss me.
Now you've gone I'm better off, I'm free I'm free I'm free."

Now you just have to pay off the debts.
Chip away every month paying more than just the interest due.