Please allow me to relate to you my spending sprees as an example. I have gone through $50,000 a year on my $18,000 yearly disability check. Now I have no money in the bank worth talking abiut. Bank accounts are not unlimited. But before I ended up at zero, I started to invest in antiques and other collectibles. So I still have something to show for my last $60,000 spent, which I had "invested" within several months.

I did purchase most of those things at or near market value. So I have not done too terribly bad. But it will take me a long time to sell just one antique. This may actually turn out to be a good thing. I needed some money to pay for painting the house. So I have put up one collectible for sale. It has been two weeks now and there is one interested person. I am selling at the highest possible price, but I may end up lowering the price and selling it within a week.

Anyway, what I am getting at here is spending sprees IMO are eventually very harmful to ones bank account. I think this is the unavoidable consequence. This is particularly true for someone on disability like myself. Limited funds with limited income. A terrible poace to be that cannot be used to pay off additional future debts. So even though I am quite good at keeping good credit, I have come within the "skin of my teeth" to damaging that. All I need is some surprise expense like replacing the roof to take care of that and ruin my credit. I will not be able to financially crawl out of a situation like that because there is simply no more money. I think this is something the OP should think about. Good credit is only possible if you are able to pay off the debt. If you cannot, then bad credit will follow. Once you are without good credit, you are screwed.

Tucson