I have been doing the exact same thing spending money I don't have I feel the stuff I but is necessity to improve quality if life but they are large credit purchases. I had a plan a three year plan but that's not happening anymore maybe. Five year. Only if I stop now but I don't know if I can there will always be that something the book the movie the meal out the new couch the laptop with mobile broadband. Not only that but I have dr bills and student loans that need paying off. I've even cancelled appointments so I don't wrack up anymore debt that way. Its crazy and I don't have a clue how to stop