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(Real-life Q and A)

Q: I know my spending is out of control, but I’m not sure where the problems are. I mean, there’s no money left at the end of the month, but I don’t know where it went. Whatever you advise, please don’t tell me to use a budget. I’m just not that kind of person.

A: (Sorry, you'll have to subscribe to get our answer. Of course, you can always come up with your own answer to these questions!)