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‘I always say yes’: The trainers at my gym flatter and cajole me into taking classes. I’ve racked up credit-card debt to pay for them. Why can’t I say no?

‘I always say yes’: The trainers at my gym flatter and cajole me into taking classes. I’ve racked up credit-card debt to pay for them. Why can’t I say no?

For the last two years, I have taken on credit-card debt to pay for these classes. However, I suggest reversing the latter two: spend 20% of your income on “wants” and put 30% of your income towards your financial goals.