“Just one more mile.” “Where is the gas station?!” When running on empty, it can be extremely stressful. One has the urge to charge things on their credit card.
A simple way of alleviating this issue is to increase one part of their four part quadruple budget. Put money towards another part of the budget. For example, one can take from saving and allocate it towards debt or spending.
Over spending can be an issue that must be addressed immediately. It effects ones spending for subsequent paychecks. One will run into a deficit which subtracts and takes away from ones paycheck, a problem already. The individual knows already where the money was spent, perhaps. Eliminate this expense and it should help in the reallocation of funds. Once one is able to pay off all of their expenses and debt, they can get on the road and back on track.