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Jan 27, 2028 – Not so fast! Your buying habits are getting a bit too impulsive. If left unchecked, they could lead to making a bigger financial commitment than you're ready for. Be very wary of installment situations, where 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.