People who rationalize every expenditure with “its ONLY $XX per month!” always end up with maxed out credit cards.
It might be that a gym “only costs $40/mo” but your cellphone is “only $80/mo” and your cable TV is “only $60/month” and that brand new Ford Mustang you really didnt need is “only $375/month”. By the time you add up all those “its only …” costs, you have nothing left at the end of the month to save.
