Quote: H spends $10-$20 a day on scratch off tickets (yes, you could say he is addicted). In the grand scheme of things it is not that bad considering what he was spending money on last year (going out with OW) but I still wish he wouldn't do it.
Do you realize this means he spends $3600 - $7200 dollars a YEAR on scratch-off tickets? Wouldn't that money go an awfully long way towards paying off your debts - or towards a vacation in Tahiti, for that matter?
May I recommend a wonderful book that will change your way of thinking about money? It's called Your Money or Your Life by Dominguez. All about how the UNCONSCIOUS spending choices we make keep us from getting the things we want.