I have over spent myself so many times in the past, My credit is just a smoldering train wreck.

The last 15 years? Not a problem at all. We live credit card free, We own our home and vehicles out right. I/we only buy what we can afford and pay cash for. The one guilty pleasure I have is buying 4-6 nail polishes a month.. That is the extent of my Bipolar retail therapy.

It helps that I can not stand clutter of any kind. I feel literally sick if I see things laying around that don't have a real use for.

*it has taken me a long time to be okay with not having mass shopping sprees.