Dear Ruchi, I’ve made some great strides with my finances this year, though I’m still struggling with spending money in social situations. I often find myself going over budget when I’m out with others. My friends always talk about being broke and operate from a place of scarcity, yet somehow we end up overspending. It leaves me feeling stressed and anxious and I never know what to expect. I want to enjoy time with my friends without compromising my financial goals. Do you have any advice on how I can balance this better?