In order not to be caught off-guard by the next sales, do not buy if the excuse for buying falls into any of the 12 below:
20 Questions To Ask Yourself
(from Gamblers Anonymous)
It is tempting. It is convenient. Almost everyone you know has one. So should you or shouldn’t you get a credit card? After all, you need an income of only RM1,500 a month to qualify for one. And as the ads want us to believe, it is no mere piece of plastic: With it you can spend freely while earning respect and envy. But ask yourself: Do I need it? And most of all, can I handle it?
We are with you all the way on that. (And you thought we were going to say “Don’t spend your money on this and that”, didn’t you?)
We strongly believe it is important that you spend your money on what you really need (not on what adverts or other people say that you should have). We also believe that you should get value for your money.