You should not spend money you know is not real.
Carla loves clothes and accessories but doesn't have too much money.
Carla really wants a new Gucci purse.
Carla waits for a few weeks until she has the money, then buys the purse.
Carla decides to buy the purse on credit even though she knows it's money she doesn't have.
Carla's debt is under control.
Carla's debt becomes hard to manage.