The idea is that when you get the urge to spend you the following: Stop your immediate impulse (head to your favorite chair rather than the mall) look at what the impulse is telling you to do (Spend, buy something, do it now.), and Listen to a different tape you play in your head (“I’ll have just as good a time at the party no matter what I wear”).
Just stopping long enough to think about your urge to use your credit cards yet again, will likely be enough time for you to cool down. It only takes a few minutes, and you will be on your way to saving yourself more money.
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