I retired 4 years ago. I sold the house I had, and bought a house in another city to be close to my family. I had enough money buy the new house and a some money left over. When I was working I always had enough to pay for everything I needed. The problem was now I had half the income and no background in budgeting or money management. Buying what I wanted was an old habit and I found it hard to resist even though I knew things had to change. I did research on money management for advise on ways to change. The one interesting thing I found was consumerism which is what the stores and others lead you into buying things and it becomes like an addiction. You do it to make yourself feel better. I got myself up to 13,000.00 dollars before I got better control of myself. Now my balances are going down, but very slowly. The payments reduce my income which makes it harder and paying them off will now take a long time. So if any kind soul can help me out I would deeply appreciate it. paypal.me@stevekelly2202