COACHING TIPS credit card Pay credit card charges each month Getting into Deep Debt Pay as you go finance purchases long-term financial security credit card debt Emotional fulfillment Debt management credit card company repayment schedule financial planner COACHING TIPS CONTINUES emotions preventing impulse to spend professional psychological help SPENDING YOUR MONEY WISELY financial mistake Call a time-out cash in savings hourly wage retirement accounts GUILT TIPS gift giving Making Up for Lost Time make up for lost time by spending money windfall arrived PLANNING TIPS conspicuous consumption ostentatious spending economic climate