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Aug 15, 2017 – Telling you not to go out and spend your every dime on a lark, with absolutely no thought for the future, just isn't going to work -- asking you not to won't work, either. What if someone who loves you reminds you of the bills that will be turning up in the mailbox, right around the same time your mortgage payment's due? Well, that might work, but there are still no guarantees. This time you just may need to muster up the willpower yourself.