burn rate /control/ and saving habit are closely related. The differences can be subtle. In everyday English, “saving/saver” can mean both spend-control and reserve-building.

• curBurnRate — more about day-to-day control and discipline, including the prevention of unnecessary spend
• t_savingHabit tag — more about long term benefit of consistent saving habit
• t_creep tag — more about smaller lifestyle spends. I want t_creep to be more strict, with a more specific meaning