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- Your financial future hinges on
- your ability to say "no" to
- yourself. It is easier to say no
- to impulse buying when you are
- focused on clear financial goals.
- Write them down immediately and
- keep them in front of you (i.e.,
- on the refrigerator, on the bath-
- room mirror). Identify the situations
- that tempt you to overspend. Work
- to avoid situations that are most
- detrimental to your future wealth.