Slightly OT I always liked your sig Chris especially given my circumstances. I was married for 28 years, most of which I allowed my wife to manage the money. Basically she pyramided up debt by obtaining new credit to the point where it all blew up one day, and was the primary cause of demise of marriage. State law made me liable for 50% of all debt she racked up ( even if it was solely in her name and I was unaware of it) that neatly crushed me. Now that I've recovered, I made my recovery based on the concept of paying cash as I go. I have 1 credit card with a sufficient limit should work require me to travel, and only use it for that. Like you I save an "allowance" towards something until I can pay outright for it. For instance my "big" screen TV started going south last fall, by Christmas time I'd saved enough to get a new flat-screen I was happy with. The not having to worry about making payments if my job would be affected by the current crisis were all just icing on the cake for me. {edit}Something odd just happened and 2 posts occurred , deleted one(/edit)