
Extra income often disappears into ‘treats’ before it touches the bills
Getting a little extra cash can feel like the break you’ve been needing—maybe a chance to finally chip away at the bills or breathe easier about money for a while. But here’s the twist many people recognize: those unexpected windfalls, side gig payments, or holiday bonuses almost always seem to vanish into small pleasures before they even get near the bills. This isn’t just bad planning or weak willpower. There’s a real pattern to how










