I have a lot of trouble with spending,too. I am about 35K in debt. I m totally broke until the first of next month. Spending is worse when manic--but sometimes when I' m depressed, spending makes feel better. I don't have any cards and deal only with one check card. When online, I put items i want in the wish list and this makes me feel better and is not so hard on my finances. I wish i could help you.