No, there are no consequences for not telling, at most we would be a little disappointed. This doesn't happen that often. Maybe once a month or so, and it's always "Hey I'm gonna by X for Y." "OK". Then we are a little less shocked when we see a $130 charge show up on our statement.

We do have saving goals, like for a house, paying off bills, etc. We aren't wealthy people my any measure either, so every bit counts.

Life is just different for us that don't make as much money and are trying to get ahead.