You're not to the point where you're in debt, are you? [She says this out of actual concern, not to poke light out of Dick's situation.]

[Luckily, Yumi wasn't even the type to poke fun at people's finance situations with her family occasioning running into their own money issues at times. She may not had ever worked for money before but after watching her mother make choices with money, she may have some ideas.]

I'd say save up your money. Don't pay with an arm or a leg for something you could get at a cheaper price. Even keep like some kind of journal to keep track of what you're spending.