Control impulses: Impulse shopping is the surest way to disrupt your monthly saving plans. As many as 85% of Americans indulge in some kind of impulse buying, and one in five say that they have spent $1,000 or more just on a whim.
If you want to become a disciplined shopper, create a self-imposed 24-hour rule for unusual or non-essential purchases. Sleep on it for 24 hours, and by the end of it, chances are you will have changed your mind about buying that item that you did not need in the first place.
