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set aside/ advise (good idea in this situation) / Present
.....'d better set aside....
get by/necessity/Past
.....needed/had to get by
splash out/critisize/negative/ Past....
....shouldn't have splashed out...
cut back/obligation/ Past
........had to cut out....
pay back/ no obligation/Present
......don't (doesn't) have to pay back...
come to/critisize/ negative/ Past
...shouldn't/ought not to come to....
sell out/not allowed/ Present
.......musn't sell out.....
pay off/ lack of necessity, but it was done/Past
......needn't have paid off....
do without/ lack of necessity/ Past
....didn't need/didn't have to do without.....
rip off/critisize/negative/ Past
....shouldn't (ought not to)
shop around/necessity (strong advice)/ Present
....need to/must shop around....
run up/advice (a good idea)/ negative/ Present
.......'d better not run up.....
