Walt, stop buying! I'd guess psychologically you may not be enjoying them as much because you're dealing with some $ issues and every time you light up you're thinking about burning the cash.
This thread is always a great reminder to not over extend yourself. Not suggesting that you've "over extended your credit", as the thread is really discussing, but for me, if I couldn't afford it, I don't think I would enjoy it as a regular activity (whereas once in a blue-moon, I might...kind of like a high-end meal).
