And they'll expect you to pay it. James' problem could be in a couple of places. Perhaps he's getting to the end of the month and won't cut back on unnecessary expenses. A certain amount of self-disciple is required. You need to resist that candy bar.
Empty pockets are an acceptable part of the deal and an incentive to stop spending.
Another possibility is that James has tried to save too much. It could be that he hasn't left enough money to pay for the basic monthly expenses. Unexpected repairs and expenses could also be sinking James' plan. You know the kind I'm thinking of. The ones that we all know will happen.