Clive and Luke have both formatted and begun using a budget. The first two months. all goes well. At the third month. They both begin to waver. Five enlist the help of his friends and the resources and his bank to stick with his budget.

Luke decides that he could splurge here and there. by month five, five is still on track and is able now to see a sizable saving start to amass. Luke has completely thrown out his budget and is back to spending more money than he makes. He feels bad about himself that he couldn't or wouldn't stick with the path that he set out on.