The vast majority of us think of how we manage our finances and know immediately that we can do a much better job. The challenge is that we fall into habits around our spending that we become comfortable with and even defend. When this happens, we waste a lot of money, and never consider that there are better options that we can take that will cause us to spend less and even save money. Many people look at their financial situation and get down on themselves and feel as if they cannot do any better than they are currently doing.…