In this episode, I discuss reasons #4 and #6 of the 30 biggest causes of failure listed in episode 059 and why you shouldn't budget these categories.

I give you the formula for deciding whether or not to make a purchase as well as give you personal examples of how I've used this formula to make monetary decisions.

At the end of the podcast, I discuss ways you can save money in these categories. Just because you should get something, doesn't mean you should pay full price.