Creating a budget and deciding to stick to it is easy; it’s carrying through on your plan that’s the hard part. For too many people, financial responsibility ends with having good intentions, and real-life gets in the way of all well-laid plans. The discrepancy between what they want and what they do is caused by their failure to spend mindfully. When every indulgence and impulse buy is just a swipe away, it can be super-challenging to rein in that spending instinct – but it is possible. Here’s how to learn the art of mindful spending.