Same, but I actually think of work first and personal second. For me it goes: Oh someone that is not using Paypal with a subscription to drive me NUTS with their "monthly" package, which PP and my billing system like to fight it out.

Then I go: Oh, I am happy that I learned when I was young that CC's can be bad when you are not reading the fine print. Think to make sure I paid mine off and then its back to work for me.