I've never had a credit card, thank goodness, because usually my urges to spend involve traveling and who knows where I would be now. I've also never had a great deal of money. So I guess my numbers don't seem that bad. Borrowing is something I haven't allowed myself to do, except out of absolute necessity (got sick, didn't work, couldn't make rent) and it's a very good thing I haven't.

But the most I've ever spent in one day was $1800 on a spa certificate Terrible part is the place went out of business and kept my money Worst thing I ever brought home was a dog, though. He's my best little bud, but it was such a stupid thing. I called the bank to get money out of savings, and he was $700. I just didn't even plan on getting a dog, at all, let alone that day, and I saw him and thought he was perfect ( I wasn't living in a situation that would make a dog make any kind of sense). It was a terrible decision at the time, and it still holds me back a bit from making certain changes in my life, because I have to be able to provide a good home for him even if it's not as good for me as it could be elsewhere (too much drama, no privacy - renting a room in friend's house, with another renter downstairs, so three of us). I have considered asking someone to take him for me, at a point when I was unable to care for him properly, but couldn't do it. Thankfully my room mate cared for him for a while.

Sun Angel: have you considered selling any of that stuff online, like on Ebay or something? At least you'd get some money back for the stuff you realized you didn't want or need later :P Do you have kijiji there?