Here's a way to become a smarter spender:
Keep your eye on the prize: We're bombarded with marketing all day long: online, TV, radio, billboards, magazines. That means we have to continually tell ourselves "no" to spending temptations right in front of us. That takes a lot of discipline.
It's easier if you have specific reasons to say "no." Those reasons are financial goals such as saving for retirement or a kid's college tuition, a vacation in the tropics, a down payment on a house or a kitchen remodel.
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