I worked so hard to be independent and have come out the other side of so many abuses that I justified my spending as my only vice. I recognize that it has caused a problem with my household budget, as I care for my biological and bonus 19 yos and it has kept us spend broke. I am not teaching them good habits. I have begun to create a budget and opened a savings to put whatever I would have spent in there, but I still slip. My latest issue is apps like Affirm and Klarna. Has anyone else had issues with these or have tips to help deal with setbacks?