Invest in high-quality items

When you buy sale items without intention, you end up spending money you may not have spent at all.

• Consider whether or not you'd still buy the item if it were full price. 
• Keep a wishlist so you can shop for the things you actually want once they're on sale.

Quality apparel has a higher price than fast fashion clothing because they use sustainable, lasting fabrics and pay workers fair benefits and wages. Despite the initial cost, over time, you might save money and time as you won’t have to replace clothes too often.

To lessen ...

• Money in stocks, over the long term, tend to offer very good returns, but stocks tend to be very volatile, with lots of short-term jumps and falls in value. Hold on and be patient.
• Shoot for the average by buying index funds with low fees.
• Don’t bother with i...