I’m going to assume for a minute that you’re one of the millions of people who have a recurrently frustrating relationship with spending. It probably starts with a commitment to sticking to your budget, and you do for a few days. Then, despite your resolve, you break down, pull out the credit card and do something that you promised you wouldn’t. You wake up in the morning ashamed and resolve never to do it again. Then you repeat. Been there? Done that?
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