I've been kind of keeping on the down-low until my finances got back on track. I went through a spell where I was spending a BUTTLOAD of money on random stuff to the point I maxed out my credit card (thankfully I have only ONE) and was dipping into savings. So I have been avoiding FA to try and keep from further straining my finances. Though I think NOT avoiding here could have incentivized me to not spend so much on just random crap.