Most stores use the ‘SALE’ marketing gimmick (both online and offline) so that we can splurge our money now, instead of waiting.

The system is gamed for us to spend our money wherever we go. We need to stop wondering where our money went and start telling it where to go.

Waiting a month distances us from the planned purchase emotionally, filtering out any impulsive decisions.

Waiting for 30 days before making any purchase makes us use our discipline, foresight, planning and restraint, and would feel exactly like curbing our urge to eat junk food, which tastes great at that moment but is not a healthy option for your body in the long run.

1. Review your spending, taking an inventory of all your purchases. This provides a better understanding of where the money goes.
2. Start to look at what all spending can be curbed (it will be a lot) and one can start small, like by not buying the candy at the grocery store while waiting in line, or not ordering pizza.
3. After curbing junk food purchases, one can work towards clothes, shoes, video games, and the biggest culprit of them all: The Urge to upgrade your smartphone.
4. Write down the item you feel like buying and place it where you can reflect on the purchase, setting yourself a goal of waiting 30 days.
5. Stay committed and challenge yourself to buy debt-free whenever you can, after you wait 30 days.