Set up an account that the $150 goes to automatically and that you don't see. Basically pay yourself first. Out of sight, out of mind. Like my paycheck goes all into a savings account and we live off the pension and disability payment. bit tight but we are saving well.

Get rid of the Amazon account....and make it a big deal to have to go get stuff you don't need but just want and are blowing money on. When you have trouble with money, you shouldn't make anything easy to access, everything should take effort to buy. And being able to just log onto the computer and buy what you want is way too much temptation, way too easy and pretty much always a trap. Its Rule #1 for any BiPolar with spending issues.


As Thor said, contact SS and have part of your check deposited into a Savings Account that has limited withdrawals that charge you money. Out of sight out of mind. They can direct deposit your check into multiple accounts of different amounts.

Good for you getting rid of credit cards

I would make a budget for yourself

Rent, other bills, food, savings etc and then think about what's left at the end if you want to buy yourself something you can afford.... Then you'll enjoy it.... Big hug.....xo

I think it helps to remove any kind of saved payment info, remove apps, log out of accounts and make it difficult. For many years I have handwritten my monthly budget and check in with it throughout the month and log every single purchase in an online app. I’ve always lived paycheck to paycheck and it’s been my strategy. It also helps to set up auto save options. I would like to increase my auto save amount and plan to as soon as I don’t need to run the air conditioning full time....

Something that has helped me so much is to use my computer calendar....I use mine, it has a timer, mainly for dr apts.

I wonder if you could write down each day, as a reminder and afermation, pat yourself on the back...that you didn't spend $$....and when you do spend, rent, bills, food etc, write that too...extras, track your spending....kind of like a spread sheet only a lot easier.

I get my pension on the first of the month, then social security on t he 3rd....I've set up my billing so most of the bills I have are due prior to the 15th, then others, I have automatic withdrawals...I also have a money journal that I write down all the places that need to be paid monthly, the confirmation number when paid and the amount,,,I keep watch on my checking account to make sure withdrawals are made prior to due date,

Best of luck and good for you to end the credit card problem!!