Values are shaped by many forces. All too often, we’re told what our values should be. It can happen as subtly as observing our friends’ lives and desiring what they have, to the blatant advertising we are bombarded with every day in the media.
The single biggest mistake I see in budgeting is in how people determine what they’re spending. Technology has changed the way people manage their finances, but you must be sure to use it in the right way.