Buying only what you need instead of what you want can be a hard rule to follow. It’s OK to indulge in what you desire now and then, but the key is to be intentional. If you are unsure whether to swipe that card or walk away, this Life Kit guide can help you make a mindful decision you won’t regret.

💳 Hold off on spending if you have to pull funds you set aside for basic needs. Don’t take money from your emergency fund or money saved for vacations. 
💳 When feeling spendy, use the acronym HALT to check in on yourself. Are you hungry, angry, lonely or tired? If so, there could be another way to fill your need. 
💳 Before buying, shop around for the best price and read reviews to make sure you’re getting the best bang for your buck.
💳 If you are buying the latest and greatest in an attempt to achieve status, consider why that item matters so much to your self-esteem.