What a very helpful entry you have there @fojfrance .I am on a point of realization now . To right down all of my liabilities .I've been trying to start better spending habits this year because if I can't be financially responsible now when I don't have as many expenses on my plate , I am probably going to be a mess when I have to worry about groceries ,rent and bills in the future.

Thumbs up for your catchy phrase you have there buddy !👍