Hey Big Spenders!

Even the most careful spenders can find themselves with too much debt on occasion. The biggest culprit is impulse buying. So start developing good habits. Here are some ways to regain control :

a) Make a list
Make a list before you go shopping. Try to stick to it. Ads, store displays and coupons will entice you to buy things that are not on your list. Use your list to help you resist.

b) Shop when you need to
Shop when you need something. Not for fun or to cheer yourself up.

c) You are the boss
Before making any sizeable purchase, leave the store to think it over. Don't go back if the sales person has been using pressure tactics like "It's the last one in stock." "If you buy one right now, I'll give you an additional discount." "This is a once-in-a-lifetime deal."

d) Is there an alternative?
You can save by buying a less-expensive model. You can also buy just about any quality item second-hand. Check the classifieds in your local newspaper, or use the Internet.