• The post you are reporting:
   
  Not at all , Howard.
  
  You only spend "one offs" [reserves][once.
  
  If you spend reserves [your deposit account, rainy day stuff] on normal household items paying for your weekly expenses without changing your spending habits it catches up on you.
  
  
  It means when you do cut you do not have reserves[deposit account] and even less to fall back on.
  
  It is about living within your means and taking the appropriate decisions. in a timely manner
  
  Watty

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