"Creative Accounting" isn't just for big banks and big business! Anyone can do it!
For regular people like us, it's called Shopping Math. When you use Shopping Math, everything you buy on sale is basically free, which means you can buy more. Especially when you use Special Credit Cards (that accrue Points!) or Groupons (for stuff you don't need and will never use!). In fact, sometimes you actually EARN money by SPENDING MONEY! It's so cool!
And it's why we're all going broke!