Muscling through a period that requires great discipline – whether it’s sticking to a healthy eating plan or a budget – is sometimes followed by an itch to throw all previously agreed upon rules out the window. Let’s look at a hypothetical example. After putting a serious amount of work into setting up a new business and adhering to a strict budget, you go on a trip to visit a friend – and promptly managed to forget what your spending limits are and how to distinguish “wants” from “needs.” Returning home, you were more than a little apprehensive to see the damage on your credit card.