Charlene

Hi, guys. Happy New Year. Thanks for taking my call.

Hi, guys. Happy New Year. Thanks for taking my call.

Hi, guys. Happy New Year. Thanks for taking my call.

A question about my frivolous spending is where we're at to start off the new year. A little about my background. I'm a single mom to a toddler earning $88,000 annually and working part-time. I have a budget that I think, or at least I thought was quite strong. And there's a line item in my budget for food and spending. But without sale, I'm blowing through that allowance every month.

A question about my frivolous spending is where we're at to start off the new year. A little about my background. I'm a single mom to a toddler earning $88,000 annually and working part-time. I have a budget that I think, or at least I thought was quite strong. And there's a line item in my budget for food and spending. But without sale, I'm blowing through that allowance every month.

A question about my frivolous spending is where we're at to start off the new year. A little about my background. I'm a single mom to a toddler earning $88,000 annually and working part-time. I have a budget that I think, or at least I thought was quite strong. And there's a line item in my budget for food and spending. But without sale, I'm blowing through that allowance every month.

And just there's little to no enjoyment with the things that I'm spending that money on. And so... There's always kind of buyer's remorse and always way more months than there is money. And so no matter how I tweak the budget, I just can't seem to fix it. It's not a budget issue.

And just there's little to no enjoyment with the things that I'm spending that money on. And so... There's always kind of buyer's remorse and always way more months than there is money. And so no matter how I tweak the budget, I just can't seem to fix it. It's not a budget issue.

And just there's little to no enjoyment with the things that I'm spending that money on. And so... There's always kind of buyer's remorse and always way more months than there is money. And so no matter how I tweak the budget, I just can't seem to fix it. It's not a budget issue.

Takeouts. First and foremost, I hate to cook. So there's a lot of signing out or fast food takeout that's being spent. And it's shopping of any kind. thought. I can't stop myself from just buying anything that I see online or walk past the store or if my son looks at something and there's a twinkle in his eye, he'll immediately get it and there's just no second thought.

Takeouts. First and foremost, I hate to cook. So there's a lot of signing out or fast food takeout that's being spent. And it's shopping of any kind. thought. I can't stop myself from just buying anything that I see online or walk past the store or if my son looks at something and there's a twinkle in his eye, he'll immediately get it and there's just no second thought.

Takeouts. First and foremost, I hate to cook. So there's a lot of signing out or fast food takeout that's being spent. And it's shopping of any kind. thought. I can't stop myself from just buying anything that I see online or walk past the store or if my son looks at something and there's a twinkle in his eye, he'll immediately get it and there's just no second thought.

I just buy and then it's almost immediately after I've made the purchase that I get that buyer's remorse and I'm annoyed with myself that I've bought it, but damage is already done. So I'm trying to figure out a way to stop the swiping instead of feeling bad about it afterwards.

I just buy and then it's almost immediately after I've made the purchase that I get that buyer's remorse and I'm annoyed with myself that I've bought it, but damage is already done. So I'm trying to figure out a way to stop the swiping instead of feeling bad about it afterwards.

I just buy and then it's almost immediately after I've made the purchase that I get that buyer's remorse and I'm annoyed with myself that I've bought it, but damage is already done. So I'm trying to figure out a way to stop the swiping instead of feeling bad about it afterwards.

Yes, yes and no. I've got the cash. I just don't like using the cash because I know that history has told me I'm not going to have enough at the end of the month. So I do use my credit card and it does get paid off every month. But yes, I use the card so that... But do you see what would happen there?

Yes, yes and no. I've got the cash. I just don't like using the cash because I know that history has told me I'm not going to have enough at the end of the month. So I do use my credit card and it does get paid off every month. But yes, I use the card so that... But do you see what would happen there?

Yes, yes and no. I've got the cash. I just don't like using the cash because I know that history has told me I'm not going to have enough at the end of the month. So I do use my credit card and it does get paid off every month. But yes, I use the card so that... But do you see what would happen there?

But then what happens if I can't eat?

But then what happens if I can't eat?