Here we go with the “if you loved me, you would” thing. You hate it, and you’ve tried to make it clear that you’re not going to fall for it ever again. But for some reason, every time you hear it, it works. Those words seem to bring back all the old-school guilt you were sure you’d sworn off for good. This time do yourself a favor: As soon as you hear the words, excuse yourself. If they follow you out, tell them you’re allergic to guilt.

You’re on the move and you’re making progress. Don’t be surprised if your family and friends question your decisions. If they really pry, remember that it’s none of their business. Your intuition will give you the truth.

Convince your partner to join you for something that’s out of the ordinary for you. Take in a foreign film or go to hear some live music. Experiencing new things is even more fun when you do it together!

If you’ve always thought credit was extended to you as a courtesy, you’ve allowed yourself to be misled. But a more realistic explanation is that you were simply kidding yourself. Either way, it’s pay back time.