• What is the spending habit?





• Is this a sensible or unwise habit? Why?





• How much does the habit cost?





• What else could the money be used for?





• When have you ‘wasted’ money?





• How are your spending habits working for you?





• What are your good (and bad) spending habits?





• What influences how you spend your money?





In 30 words or less, write a catchy personal money motto— a rule to live by that inspires you to stick to sensible spending habits that match your values.