Spending addiction is a very real and serious problem, that can really mess you up if you don't get a handle on it. I shopped my way into serious debt in my 20's, my 30's, and my 40's. In my 20's and 30's, I was able to get it under control, and use savings to pay off the debt. I couldn't in my 40's, and had to declare bankruptcy. But even having done that I still struggle with impulse shopping, and staying within my budget.

One thing I would suggest is to look for a not-for-profit credit counselling service. They can help you set up a budget and give you tips for staying within it, as well as advice for paying down debt.

Once you actually face up to the problem, and start dealing with it, it's really hard, but it's a relief.

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