Ok, cookie told me I will be managing my finances better this year, in my mind I was thinking what the hell, my credit card expenses can be $800 or more a month which excludes utilities except for internet and food and the rest shopping, I tend to shop when I feel stressed or can't sleep, I have a chronic sleeping disorder which prescribed medication don't help after taking it for a while.Last month,I made a lot of returns on some useless things I purchased and guess what!! At the end of the month, my statement was Just a little under $300. I have two big boxes of clothes that I'm going to donate, although its only a month so far, I believe I will maintain it. Last year alone, I received $200 from credit card point so it means I am horrible at spending. I am debt free since I pay everything at the end of the month. So I think cookie may be right!!!