Where do you live? I am coming over to help you organize . Just kidding.

You said it is OCD so I understand that something you just find difficult due to that.

Do talk to financial advisor , you never know what they might suggest. I don't know where people look for one as I have one through work as he is a rep for 403b company. I wonder if your bank can help you?

I did get confused you buying things on credit with no credit card, is that possible? , debit card is withdrawing money directly from your account and can't be used for credit .

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