There are still plenty of people who are not saving enough to meet even these more moderate spending needs. (fortune.com)
Learn to track your budget realistically, and focus more on moderate spending than not spending at all. (thecashlorette.com)
In its most recent Monetary Report, the bank conceded that their own rate cuts last year helped fuel the increase in debt spending, but the Bank apparently feels confident that recent regulatory changes, and rising real income due to lower oil prices, will result in more moderate spending levels. (moneysense.ca)