Moremi I wanted to reply because I can really relate to what you were saying. Spending money an rubbish I don't need and totally disregarding any kind of financial wisdom is just what I do I suppose. Now my wife has all the credit cards, bank cards. etc. I don't like it but I had to do it because even with my strongest and best intentions I would just spend it away. I just get some cash now and when thats gone its gone. I still spend it pretty much straight away and I want more but slowly there are dawning periods in which I understand thats how it has to be because I just can't handle it.