Our financial consultant told us that we MUST cut back.  We need to look at all our spending and find what we can do WITHOUT.   Our dietician told us we need to look at our food consumption and cut back. We need to eliminate more carbs.

So we need to account for all spending and all eating?  SIMULTANEOUSLY?  I lost 22 pounds a few years ago (and gained back seven) but I only concentrated on my food consumption.  I rewarded myself by buying new clothes.

When we lived on a strict budget, I ate.  I rewarded myself for controlling the money by eating carbs.

Now we have to do both at the same time.  Even I am betting AGAINST on our success this time!