Immediate gratification is great but costly. You can still live the life you dreamed by changing your habits when it comes to unnecessary purchases. Don't make excuses for charging something, put your money in savings instead. 1. Use long term goals to motivate yourself.
2. Allow yourself a small treat monthly when you stay on track to meet these goals.
3. Purchase quality items that don't need replaced as often.
Delaying purchases has a huge long term positive effect. We learn to live below our means and we have more resources available when they are really needed. Finwiz.
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