I hear ya. It's amazing how much less I am able to do.

I'm a little concerned that you put your credit cards on auto pay. Other bills, fine, but I can't tell you how many times my husband and I have had to dispute charges on our credit cards because of vendor errors, fraud, and non-delivery of ordered items. If the charges are paid, it's a whole lot more difficult to dispute. The credit card companies expect that you haven't paid such charges when you contact them about such issues.

Once my hubby and I stayed in a flea bag motel which should have charged our card $50, but they charged our card $5,000. That's just one of many examples.