I don't use Pay pal pay after delivery.
I try to keep my credit cards off my pay pal or online shopping sites..
I fail sometimes esp when I have to use a site for birthday or christmas presents then I sometimes "forget to delete the card" and buy things... it's a pain...
I also work at a store which makes it hard too..
I have been good mostly past 2 weeks but then spent $50 mostly books ... only one non-book but my hours have been cut so I can't afford too..

also thank you all for replies.