My mother used to say, “Cut your suit according to the cloth” Which meant only spend what you have. If you are walking past a shop, and see in the window, something nice, but useless and you don’t have enough cash in your pocket, you don’t buy it. Enter Mr Bankers favourite toy, the credit card, now you can buy all manner of useless stuff, and surprise, surprise, you end up in debt, and have to pay Mr Banker lots of nice interest.
Clever isn’t it? Or is it us that’s stupid?

Budget and Fudge It.

Push it, pull it, if you can’t budge it, put the damn thing on wheels
Let it roll down the steepest hill, see how good it feels
You can’t budge it but the government can fudge it
As from your earnings and pensions they steal

All words Meadowhead Bard, a poorly Meadowhead Bard which is why poem has run out of steam.