M: I need to stop at the bank to withdraw some cash.

W: Why not just pay with your phone?

M: Well, actually, I’ve stopped using online payments for the past three months now.

W: Stopped paying online? Oh, you must be worried that online payments aren’t secure.

M: No, they are safe. But paying online is too convenient and I spent too much money on things I didn’t need.

W: Oh, impulse purchases can be an issue for me, too. I’ve definitely bought clothes and shoes I didn’t need because they were on sale, and paying with my phone was so easy. But I’ve found that if I review my spending every night, that keeps me from spending too much.

M: I tried that strategy, but it just didn’t work, because I’d be busy studying all day. Then, when I was tired and hungry, I’d use my phone to order food, like burgers and other junk, instead of going to the canteen, where I could get a healthier meal for half the price.

W: Well, what do you do now then? It seems like you’d have the same problems with cash.

M: I go to the bank once a week, and the rest of the time I keep my bank card at home, so I can’t get more cash out. And I also have a notebook where I record my expenses.

 W: But what prevents you from just going to the bank and getting more money, if you want to buy something?

M: The first month I did withdraw extra cash twice, but I felt guilty about it. And after that I refused to spend more than what I had budgeted, and by now it’s just a habit.

Q8: Why has the man stopped paying online for the last three months?
Q9: What problem does the woman say she may also have?
Q10: What does the man say he could do at the canteen?
Q11: What is now just a habit for the man?