It's pretty much like this.
Except now I have a credit card.
Granted, I've been using a debit/check card for ages now, so hopefully the habit of spending less then I earn will stick around, but we all know the horror stories.
It's a strange feeling, another small shock as a voice in my head says, "Yikes. I'm an adult now. When did this happen?" Or, at least, I am less of a child dependent on others and more dependent upon myself, my own good sense and reasoning.