I don't agree with cutting up credit cards. They have built up my credit and I use them wisely. That one persons advice goes against everything my parents taught. Budgets work if you follow them. And even include unexpected expenses in misc. Or personal. I found a very detailed budget online through a money planning website. My problem is splurge spending. Not planned splurges, like buying too many lottery tickets. My therapist thinks the financial worker would offer a layer of protection from scams and splurges. I still don't know if I like the idea.