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Create spending classifications for all your expenses, after you have come to terms with how much you actually spend each month. It's always wise to really have a miscellaneous group that allows for those periodic or unforeseen expenses; possibly a quick cash payday advance. Additionally, create a category for regular car maintenance, visits to the dentist or other things that you just do yearly, semi annually, or even tri-annually. Then you likely can't afford it, if you can not pay cash for an item!