The 'What-The-Hell Effect' That Ruins Your Budget

First up to bat, the old classic, no-spend January. The idea seems so good,

right? Just slam on the spending breaks, cut everything nonessential, and totally reset

your habits. It sounds noble, but I'm telling you, it's a trap.

Here's the problem, it immediately triggers what's called a scarcity mindset. Think of it like

a financial crash diet. When you tell your brain, "No,

no, no," to absolutely everything, you're in a constant battle with yourself.

It is exhausting and it actually has the opposite effect. It makes you crave

all those forbidden things even more. And that leads directly to this, the what-the-hell