Is your spending out of control?

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Question of 11 Your monthly phone bill just arrived in the mail box. You: Ignore it until you find it in a pile somewhere days or weeks later. Pay the bill within the next 24 hours. Already took care of it - electronically from your bank account or credit card. You're strolling through the mall when a pair of boots catches your eye. You: Keep walking. They'd look great on you but you don't have the cash to spare. Take a closer look but decide to hold off until they go on sale. Go in to try them on. You think: I can put them on my credit card. See a penny... Leave it. If it was a dime or a quarter, I'd dive for it. Pick it up! Keep going. I hate change. You unexpectedly need $3,000 to fix a leaky roof. You would: Have enough saved for a rainy day to cover it. Need to borrow. All your cash is tied up. Borrow some but pay it back within two months. Time for lunch! How often do you brown-bag it? Rarely. I'm on a first-name basis with the pizza place guy. Whenever I have leftovers. That's probably twice a week. Everyday. I prefer homemade meals. You gotta go! The toilet paper in your bathroom is: Luxury 3-ply. I will not skimp on that. Industrial grade - the cheaper the better. It goes down the tubes anyway. By no means extravagant. Standard 2-ply works for me. A double café latte is... $4 for a coffee? I brew my own. My daily ritual. I need one to function. A weekend indulgence. What's parked in your driveway? A used car. I drive it to work but keep other trips to a minimum. I have a two-year lease on a newer model. I don't own a car. I'm big on public transit. Your ideal vacation usually involves: Not much travel but lots of quality time with family and friends. A cross-European trip every couple of years. One summer and one winter getaway each year. Without looking at your bank slip, do you know how much cash is in your account? Not sure. I made some debit purchases recently. I know the amount within one hundred bucks. I know the exact balance down to the last penny. Darn! You just received your credit card bill. You: Have reached the limit and pay the minimum. Pay the entire balance on time. Did your fair share of damage and pay half the balance.