By Linus Mundy. Buying things and experiences has become a major part of modern life. Regardless of financial situation or personal belief, those who live in today’s culture are subtly pushed to spend and spend. It can lead to falling behind with no readily available way to get ahead. Those committed to getting out of this vicious cycle can find helpful guidance in this CareNote. Sections include: Identify the problem areas, Know what you are spending, Don’t play mind games, and Make financial decisions that are based on your values.