anchor: it really does i know i've been in like i said the same situation you know where i've i've been in a situation where i didn't budget anything just spent money and spent money and spent money  and it doesn't work  it doesn't it really doesn't uh makes a big difference
positive: Without a budget, I had the tendency to spend a lot of money.
negative: Budgeting has no impact on spending and doesn't make much of a difference.