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Feb 23, 2023 – Not so fast! Your buying habits are getting a bit too impulsive, and if left unchecked, they could lead to you making a bigger financial commitment than you're ready for. Be very wary of installment situations in which you're asked to pay a certain amount over a length of time. If you need to buy things, use cash. Delaying your payment won't benefit you in the end. Debt is something to avoid much more consciously, and living a "cash only" existence, at least for a while, should help.