Our expert says:
If you have a weakness for wasteful and unnecessary spending to comfort yourself ( instead of finding more effective ways to handle your concerns ) for a start, cut up and cancel the credit card.
If you dont have the money, don't spend it.
How many stunning shoes do you really need ?
Recognize that you cannot trust yourself with money let alone with access to credit ( i/e money that isn't yours ).
As exS correctly says, there is a difference between being depressed and being unhappy.
View your new carefulness as a form of saving to eventually have a child - you surely don't want a child to be born into serious debt.
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