Yup, i completely agree, especially on the budgeting. The question should not be: do I have enough budget to make this pruchase. the question is: do I really

Yup, i completely agree, especially on the budgeting. The question should not be: do I have enough budget to make this pruchase. the question is: do I really need this thing I'm going to buy. Budgets should be for estimating future spending or learning about your past spending behaviors. It's a tool for assessment, not a license to spend more.