I can’t control my spending, either.

I’m so afraid that, 10 months out of Chapter 7, I will attempt to ‘rebuild my credit,’ only to spend my way into debt, again. Even without filing for bankruptcy, my creditors could not have gained judgments against me as my only income, now, is my single SSDI monthly payment.

I can only empathize. I have been in this manic phase for so long. In the 1980’s - when I was wealthy - I would hit the elite malls and buy so many things that I wanted but really had no use for, and I would feel a satisfaction making the purchase. It is similar now but so much faster with the internet. Two or three clicks and the new beaver-felt hat will arrive in days. The same with the Mont Blanc Meisterstück pens - I need so many! And the goods arrive and I destroy the packaging and put the items away and forget about them and spend again and again. I derive pleasure from purchase to arrival and for a while it feels like good sex.

I’m wary of ‘key-tones’ advice because the proposed solution sounds too much like another manic symptom - “increase in goal-related activity.”

I don’t know what YNAB is or what they might do. I have had the opportunity to allow a payee to take over my finances but I couldn’t do it; I just could not do it.

I do hope that someone might offer a solution.