I can totally understand where you're coming from. I don't have a credit card for that very reason. Money is a HUGE problem for me, too, or should I say, the lack of it. Debt consolidation sounds like a good idea. Or I read once where a person cut up all their cards except one, and the froze that one, so it would take awhile for it to defrost, giving you time to think about the purchase before making it. Do I really NEED the item, or is it a want? Seemed like a good idea.