Excessive spending & misusing credit cards is largely a gender independent phenomena. The movie sadly has been made only from the female perspective of it. Or in simpler words, "Its a girlie movie." You may like it if you are a teen girl (or gay) and your maturity level is near average. For others, there is aggregate 5 minutes of good comedy. Other 100 minutes are predominantly waste of time
Additional bonus for gays is that Guy is way cuter then the girl in this movie.