Don't discount the emotional security. It's probably tied into the finances actually, but it's an emotional blanket nonetheless.
Love the plans for thanksgiving.
Perhaps next time she mentions the mattress, agree and ask her when she would like to go shopping for a new one. If she brings up the credit cards, agree but say you can start shopping for a mattress next month and then wait a few months to actually purchase or something along those lines.
Have a good Tuesday.
Michelle - Proud DR Rockette S: 28JUL07, D'd: 29OCT09 http://tinyurl.com/27j9qo2