Brittany is a high school junior who worries about her money habits. Her parents have always worked hard, but they’ve never had enough money to buy her trendy clothes. Brittany recently landed a job at a clothing store in the mall. Now that she has her own money, all she wants to do is buy clothes. It’s hard to resist spending her entire paycheck on all the latest styles she sees coming into the store. She’s even begun setting aside the clothes she wants to buy prior to getting paid—in a sense, spending her paycheck before she even gets it. Brittany feels guilty about spending all of her money, but she definitely seems to be more comfortable with spending than saving. What advice would you give her to change her spending behavior?