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Transcriber: Lets cut right to the chase: for most people, budgeting just doesnt work. [Your Money and Your Mind with Wendy De La Rosa] You maybe follow your budget for a few days or a few weeks, but soon, you forget about your budget and stop tracking the flow of your money. And there goes your budget. And thats because of reality is, most of your budget is fixed. You cant really do anything about it without making major life decisions. Your rent is your rent. Your phone bill is your phone bill. Your car payment is your car payment. But the focus of today is the fact that many people struggle with the little, ongoing, frequent purchases like eating out, delivery services or shopping. So lets tackle each one of those individually. First, lets talk about eating out. In my research along with some colleagues, I found that eating out is one of the biggest financial regrets that people have. The only other expense thats even less satisfying than eating out are bank fees! For eating