I wish I could get my almost-exH under that kind of control. Adult protective services said that as long as he can make decisions whether good or bad it's his problem & disability didn't respond when I requested that they assign him a payee. He was living on paying his bills with the overdraft charges in his bank account & had accumulated over $1100 in overdraft charges in less than 6 months when I closed the joint account after finding out what he had been doing & after I got finished cleaning up the mess he made with the IRS.

I don't believe in spending money I don't have & I save up for everything before I spend it unless it's an emergency.....then I make arrangements to pay on time without interest & always get it paid long before the time it's due.

I don't spend money on Christmas that I don't have either & many times I make gifts that are personal & much better than anything I could buy anyway. I have a serious problem with the commercialism that has been adopted to the celebration of Christmas anyway so I refuse to go along with that aspect of Christmas anyway so Christmas doesn't affect me in a financial way.