Hi MenA, hope you are doing better with not spending. Me too-this is my 3rd time with lots of debt. Seems whenver i have really bad depression/hypomania it happens. But i spend a lot more during depression. Yes,on credit cards. Inbetween, i have cut them up and gone yrs with no cards at all!and done well...then i get more and the debting/spending/shopping can start out ok,even for few yrs..then become issue. Trying to do 12 step group to help me with thought process.