[niki_the_tiger]

Yeah I agree about the credit card companies being partially responsible. I mean... often times they go and increase your limit without you asking them to. Each time, we fully intend to call and cancel, but then we're like... what if something comes up, it will be good to have that extra credit limit... let's not touch it except for emergencies... then oops we buy this, then buy that...

Of course, it's still OUR fault... it is our responsibility. But if the credit card companies didn't do that... we would be less likely to spend that much.