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Jul 21, 2026 – Spending money will come easily to you now -- even if you don't really have it to spend. That doesn't mean you shouldn't treat yourself to something you'd enjoy, especially since you've indulged everyone else but yourself lately, but if it's going to put you at risk of damaging your credit, you might want to think about it -- before you sign on the dotted line, that is. If it's just a little something, don't worry about it. We're talking major purchases here.