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Resist Impulse Buys
We know it's fun to shop, but if you don't have room in your budget for impulse buys, make it harder for yourself to fall to temptation. Don't meander through stores as a pastime, disable email updates, and remove shopping apps from your phone. The less you see, the less likely you'll be to cave. Deleting your Amazon account can also help.

And, if you do have room for some discretionary spending, set yourself a budget — Those cute shoes or that fancy bag won't help you reach your financial goals if you go over. Don't let the short-term high of retail therapy take away from your future.