My Life as a Frog

Overspending consistently can add up to big problems over times, but once you notice the trajectory, you can turn things around before things heat up. U2M Brand/Shutterstock

I have been told if you attempt to pop a frog into a pot of boiling water, he'll jump out every time.

But if you put the little fellow into a pot of cold water, set it on a low flame, and warm it slowly, he'll sit back, relax, and let you cook him to death.