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Ask yourself before every purchase: do I really need this? Maybe too late for Black Friday or Cyber ​​Monday but not for the myriad of pre-Christmas sales, it can be so much decision!

Try to make lists in advance of any sales, s.o that you know what you really need – rather than what you’re just tempted to buy. Impulse is bad for your pocket

For big-ticket items, like DIY tools, think about borrowing them from family or neighbors; or for subscriptions like gym memberships, set yourself a goal of working out at home for a month or two as a trial first. If you can not get off the couch, you will not be shelling out

Do not get sucked into pre-Christmas sales

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