Gotta get my groove back

(Chance Agrella/FreeRangeStock.com)

I did well for a little while; I kept my spending in check for a whole whopping week, and then I fell back into a few bad habits.

I am determined not to let the bad habits win. I don't really know what it's going to take to get myself on track for more than "a little while," but I want to keep working at it.

The holidays are coming. My plan: A credit-free holiday this year. If I can pull it off, it will be a first for me since about 1994.