We like to rationalize a lot of purchases based on the phrase, “I work hard so I deserve it.” Unfortunately a lot of times we make these purchases on credit because we do not have the funds to do so. Well, what if you started to remind yourself that you only deserve something when you have saved enough cash to pay for it? It’s not a hard concept, but one that takes discipline and lots of self-denial. But once you change your viewpoint and learn to save the money for purchases your financial future will change for the better.
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