Well said, @whiteangey cutting reckless spending also includes doing things that you know you can actually do yourself instead of spending to get them done such like cutting your hair in the salon when you know you can actually learn and cut your hair by yourself, always eating in a restaurant when you know you can actually have the time to cook whatever thing you want to cook and eat enough, taking your clothes to dry cleaners when you actually know you can have the time and space to wash your clothes and iron them yourselves, all these are also part of reckless spending, things you know you can actually do by yourself but you choose to spend some money to do it just because you don't want to inconvenience yourself or you don't want this dress,