There's one thing that no personal finance guru is going to tell you: budgeting doesn't work to fix your overspending. That's not because you're bad at math, lack willpower, or haven’t found the right spreadsheet yet. It's because budgets solve money problems, but buying too many clothes is not a money problem. From the outside, overspending on clothes looks like a financial issue. I work with fashion-loving women every day who are spending more than they earn, not hitting their savings...