[charles]

I always hated the New Year as well… everyone celebrating while I knew it would be the same old same old for me.

That can change though Mav, can your wife help by looking after the money? What other additional barriers can you put in place?

You have always hated the New Year? then it is probably a vulnerable time for you; what other times of the year do you hate? Use your knowledge Mav, plan your time. keep posting.