If you’ve ever made a promise to change your spending habits, only to break that promise repeatedly, you are not alone. After all, you still have to go past your favorite coffee shop every morning where a delicious (and overpriced) beverage is only minutes from your lips. Throughout the day, your inbox may bring news of sales and special offers from your favorite retailers. And your next travel adventure to bring warmth to your skin and sand to your bare toes is only a few clicks away. It’s tempting to spend, isn’t it?