[gryphonshafer]

It's really easy if you purchase lots of little things using a non-cash form of payment. It's even easier if what you're buying is non-physical, like streaming movies or video games for a tablet/phone. The key is to remove the physicality on one or both ends of the transaction and keep the single transaction cost in 2-digit range or the low 3-digits. And of course, never budget, ever, and try not to mentally track how many purchases you've made over the past few weeks. Do that as a pattern, give it some time, and money will evaporate Brewster's Millions style.

[tamana]

Only the rare whale can make a huge debt in savings buy spending on digital goods. The real money goes out on car payments, rent payments, vacations, and eating out every day.

[neogodless]

You could rent an HD movie every night for $20 and it'd still only swing your expenses by $600 each month. If you're making $35,000, that is absolutely huge.

If you're making $150,000 - it really should not be huge.