I don't have that much money to have someone else manage it for me or keep track of what I spend. I know what I can spend and don't go over that amount... If you have a $100 to spend, that's all you should spend. I rarely ever use a credit card. I was a RN during my working career for 46 years. It didn't take me long to figure out how long, or how many hours, or how many days I had to stand or be on my feet to pay for something I wanted to buy. I learned a long time ago how to manage my money. I have also learned that everyone (magazines, ads, TV, stores, etc.) wants your money! Now when it comes to buying fabric, I can go a little overboard and dip into savings sometimes! LOL!!