Why we spend money on things we shouldn’t (and how to break the cycle)

I can’t really afford this, but I love it … I really shouldn’t have bought that, but I needed a pick me up … Is this what a spending hangover feels like?
Sound familiar? Turns out the majority of us — 64 percent — regret our spending on short-term pleasures, including food, clothing, new cars, tech gadgets and vacations, according to anew study by Schwab.
Specifically, we wish we’d managed our spending better so that we could have put more money a