It's bad to spend money you don't have.
Borg is leisure shopping with a friend and is financially constrained/.
Borg needs to set a max budget for this shopping spree.
Borg sets a realistic max of $20.
Borg figures he can spend $100 and can make up for it with extra work.
He stays financially afloat and learns frugality.
The extra work doesn't come, and he falls behind his bills.