PLEASE HELP I NEED IT NOW

An analysis of consumer spending behavior reveals specific purchasing patterns that lead to overspending activity. Explain the most common causes of overspending?

(Total 5 Marks)

b) One of the major reasons that people lose control of their finances and incur serious debt obligations is due to the fact that most people do not track their spending. In analyzing spending patterns, people can be classified into 3 general categories. Discuss the relationship between those categories and their affects on the individual financial capacity?