Thank you very much, Serafena! I've been doing that with my credit cards. I find it sooo hard because I feel so embarrassed about not being able to pay my bills. I contacted one credit card but I...
[purple]I have this problem too. I don't usually buy big ticket items, but I make rash decisions with money and I buy alot of smallish, unnecessary items that result in clutter. (I also have a...