My husband and I grow older, the kids grow older and their wants and needs grow newer by the minute! Money doesn't change. It's gone by so short period of time it passes by our joint account. It's too quick to notice how money even looks like. Our credit cards should be hidden away, or cut the spending if we do not have cash on hand. Lastly, financial facts of life in my household tend to be worrisome, sometimes. Funny how we always arrive at this truth : Debts are about the only thing we can acquire without money. *** My husband pays our debts more than the current balance due fortnitely on pay days so we can avoid monthly interests on our credit card.