Then I hope your friend doesn't have any automatic payments coming out of her account, and only uses her debit card, and not paper checks, to withdraw money from her account. Because counting on the 'outside control' to prevent her from spending money when the 'outside control' doesn't know of the auto payment or paper check that's going to hit tomorrow could result in a lot of overdraft fees for her.Oh good grief.I like you AJ, and you always have brilliant analyses of financial situations, but sometimes you can be extremely condescending and you don't always get the psychological aspects of what is going on with someone.I am like Nancy's friend.I cannot trust myself with available credit, partly because of my bipolar. When I'm manic, I tend to see available credit lines as money I can spend. By definition of the phase (i.e. high impulsivity), I have a hard time seeing consequences.So, I use my debit card, paper checks and online transactions. I write very few checks, mostly my rent and stuff C needs at school. But just because I can't trust myself with available credit doesn't mean I can't balance my checkbook. I use YNAB and enter my transactions nearly daily. Things like the rent check are entered in the scheduler and entered automatically.Ishtar
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