Use stages-of-change thinking to normalize budget slips and plan recovery.
"A realistic budget has a repair loop.\n\nStages-of-change thinking does not excuse inaction. It makes action more durable by expecting friction. A reset rule is a behavior, not a feeling.\n\nThe coach’s tone matters: “What did the slip teach us?” keeps learning open; “Why did you fail?” closes it.\n\n## Visual anchors\n\n- Before-after: confession cycle -> reset loop\n- Trap callout: perfection disguised as accountability"
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