30 day rule

Impulsivity will thwart your chances of saving money and attempts to pay off bills sooner rather than later. If you constantly overspend because you see a really cool item, you will find it difficult to save money and maintain a budget. 





If I have said it once I will say it a millions times, Think before you buy! Make a list and keep track of your spending. It will save you money that you can put towards bills to pay down and improve your credit score.

Assuming the item is a luxury, write it down and wait for 30 days to purchase it. You may find it for a less expensive price at another store at a later date with in that time. You may even decide that you can make it for cheaper or don't need it at all.

The urge to splurge is ever present. However, creating a new habit of waiting to purchase the item until a later time can rack up your savings significantly and allow you to increase the bulkiness of you wallet.