My Two Cents Financial-advice columnist Charlotte Cowles answers readers’ personal questions about personal finance. Photo-Illustration: by The Cut; Photos: Getty Images Two months ago, Camila Bronson, a 33-year-old who lives in Queens and works in human resources, decided to do a shopping ban for a full year. Her reasons were simple: She was sick of impulse spending on her phone and wanted to save and invest more money. To start, she wrote down what she wouldn’t buy — takeout food, booze at bars (if she felt like drinking, she would do it at home), beauty products and toiletries (unless she was
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