Frankly, I just buy too much stuff.... I've been buying a lot of wine lately (and drinking it too!), and while I try not to spend more than $20 per bottle, and often buy stuff that's less than $10, it still adds up quickly..... Then there are shoes.... once again, I don't buy high end designers, but I probably buy about 10 pairs a year, so that adds up too.... Then there's jewelry.... Little electronic gizmos..... Satellite dish.... Starbucks..... New windows last year.... New patio this year.... New furniture for the new patio.... It's a wonder I have any money left.... :shame: