Thanks Jeff3, yes, some change in programming is what I am looking for. I may start by tackling the issue head on, consciously planning my spending. Posting my 'worries' helped a lot and made me more determined to do something about them. I intend to plan... and pay off... and be more careful... and more conscious and use the phrase suggested by Cdn2 wheeler's: "Spending $X on that isn't a good use of my resources right now" .
I think one of the tensions for me was that this 'behaving as if' doesn't really leave much space for saying 'can't affort'. So it's a good advice!
Good luck to you in dealing with your bills too, Jeff. |